It pays to pay with OnestpaySTEP 1
Link your debit card
Create your account, complete verification, and link your existing debit card.
Link your debit card
YOUR EXISTING CARDDEBIT•••• •••• •••• 4821
Cardholder name
Card details •••• 4821
✓ Debit card linked
Cashback with your existing debit cardYour everyday spending.
Your everyday spending.
Instant cashback.
Link your existing debit card and use OnestPay to pay at participating brands. Earn cashback when an eligible purchase is completed, with rewards credited directly to your OnestPay wallet.
Estimate your cashback →
How cashback works
Choose a brand. Pay. Earn cashback.
Use OnestPay at checkout to turn an eligible purchase into a reward.
STEP 2
Choose your merchant
Open OnestPay, select a participating brand, and enter your checkout amount.
Choose your store
⌕ Search stores
DiningGroceriesFashionHome
Checkout amount $100.00
Continue →
STEP 3
Review and confirm
Check the amount, applicable cashback rate, and merchant requirements before authorizing payment.
Review your payment
Checkout amount$100.00Illustrative cashback5%Potential reward$5.00Debit card•••• 4821
Confirm payment
STEP 4
Pay with your code
OnestPay charges your linked debit card and delivers a merchant-specific code. Use that code at checkout.
Your payment code
4821 7390 6205
Enter your code online or show it to the cashier.
Copy code
Ready for checkout
STEP 5
Receive your cashback
A portion of the merchant-funded discount is shared with you and credited to your wallet after the eligible purchase completes.
Your cashback wallet
✓
Cashback credited+$5.00
Eligible purchase$100.00Illustrative rate5%StatusCompleted
View wallet
Cashback applies to eligible purchases made through OnestPay at participating brands. Ordinary debit-card transactions outside this flow do not automatically earn OnestPay cashback.
Cashback terms
What to know before you pay
Eligible purchases
Cashback applies to eligible completed purchases through OnestPay at participating brands.
Rates vary by brand
The applicable rate is displayed before payment. Offers and availability may change.
Credited after completion
Cashback reaches your OnestPay wallet when the eligible transaction is completed and confirmed.
Verified account required
A verified OnestPay account and an active linked debit card are required to use this payment flow.
Transaction adjustments
Cashback may be withheld or reversed for failed, cancelled, returned or refunded transactions.
Merchant requirements apply
Check minimums, supported amounts, and online or in-store acceptance before paying.
Your questions
Cashback FAQs
How do I earn cashback with OnestPay?
Link your existing debit card, choose a participating merchant and checkout amount in OnestPay, review the offer, and complete payment using the merchant-specific code. Cashback is credited after the eligible purchase is completed and confirmed.
Does every purchase with my debit card earn OnestPay cashback?
Cashback applies to eligible purchases made through OnestPay at participating brands. Simply using your linked debit card outside the OnestPay payment flow does not automatically earn OnestPay cashback.
Why do cashback rates vary by brand?
Participating merchants offer different discounts. OnestPay shares a portion of the applicable discount with you as cashback. Review the rate shown for your purchase before confirming.
When will cashback appear in my wallet?
Cashback is credited immediately when the eligible purchase is completed and confirmed. Sending a payment request or generating a code alone does not establish that the purchase has completed.
Do I need a new debit card or bank account?
No. Link your existing debit card and keep your existing bank account. Funds remain in your bank account until you authorize the purchase.
Where can I see my cashback history?
Sign in to your OnestPay wallet to view your cashback balance and eligible transaction history.
What happens if a transaction fails or is refunded?
Associated cashback may be withheld or reversed for failed, cancelled, returned or refunded transactions, subject to the applicable terms.
Are sign-up bonuses the same as purchase cashback?
No. Purchase cashback depends on the brand offer and an eligible completed purchase. Any sign-up or referral bonus follows its own qualification and waiting-period terms.
Make your debit card more rewarding
Keep your existing bank account and start earning on eligible OnestPay purchases.
Cashback: Building blocks of your wealth
Every cashback dollar can support a goal that matters to you. Consider putting your rewards toward reducing debt or adding to long-term savings.
Pay off your mortgage earlier
Put cashback toward extra principal payments and work toward owning your home sooner.
ExplorePay off your car loan earlier
Use cashback for additional loan payments and reduce your remaining balance.
ExplorePay off your student loan earlier
Direct cashback toward your student-loan balance and keep moving toward your payoff goal.
ExplorePay down credit-card debt
Apply cashback toward your credit-card balance and work toward becoming debt-free.
ExploreBuild your retirement fund
Set cashback aside for retirement and make saving a regular habit.
ExploreBuild college savings
Put cashback toward future education expenses and grow your college savings over time.
ExploreBuild your investments
Use your rewards to add to investments aligned with your goals and risk preferences.
ExploreSave for a home down payment
Set cashback aside toward a down payment on your future home.
ExploreMore
Explore more ways to put your cashback toward your financial goals.
ExploreThese are ideas for using your rewards, not automatic OnestPay services. Any payments or contributions must be arranged separately. Consider your loan terms and retirement-account rules before making additional payments or contributions.