IT PAYS TO PAY WITH ONESTPAYMERCHANT CREDITS
OnestPay™ is transforming the old, traditional merchant credits into a powerful, flexible and universal payment tool for customers and merchants.
- 01What are Merchant Credits? Merchant credits are a form of stored value. Merchants typically accept these credits as payment for goods or services. Customers purchase credits from merchants (within OnestPay™ platform), often at a discount, to use for future purchases, providing both convenience and potential savings.
- 02How Merchant Credits Works on OnestPay platform? You browse OnestPay for merchant credit deals from trusted stores. If you like an offer, you pay in advance, get instant savings and the amount is added to your wallet. You can use the credits for purchases in-store or online with the merchant.to use for future purchases, providing both convenience and potential savings.
- 03What are the key features of Merchant Credits?Merchant Credits never expire, there are no fees and you can share, gift, trade or donate to others. You can also get additional bonus and rewards from merchants.
Click to see an example
OnestPay™
vs.
Other Payment Options
Smarter than debit. Safer than credit. See how OnestPay™ stacks up
Thinking about how to pay smarter? See how OnestPay™
compares to your debit and credit cards
| Feature |  OnestPay™ Merchant Credit |  Debit Cards |  Credit Cards |
|---|---|---|---|
| Funding Source |  Buy merchant credits | Checking account | Bank-issued credit line |
| Spending Limit | Value of credits loaded | Available bank balance | Approved credit limit |
| Savings | Immediate savings |  None | None |
| Interest Charges | None | None | Yes, if balance not paid in full |
| Fees | None | Possible overdraft fees | Annual, late, interest fees |
| Credit Check Required | No | No | Yes (hard or soft inquiry) |
| Merchant Usability | Multi-store (if enabled) | Universal | Universal |
| Rewards & Offers | Bonus credits, targeted deals | Occassionally | Points, cashback, miles |
| Multi-Use Flexibility | Trade, gift, donate, share, group buy | For Payment Only | Revolving credit |
| Behavioral Impact | Encourages value use, smart spending | Neutral | Promotes overspending |
Save Now, Buy Later (OnestPay™)
Vs.
Buy Now, Pay Later
Buy Now, Pay Later (BNPL) creates debt—OnestPay™ creates value.
Tired of borrowing just to buy? OnestPay™ helps you
plan, save, and earn rewards—so you can shop smarter,
skip the stress, and stay debt-free
| Feature |  Save Now, Buy Later (OnestPay™) |  Buy Now Pay Later (BNPL) |
|---|---|---|
| Platform | OnestPay™ | Affirm, Klarna, Afterpay, Sezzle |
| Model | Prepay with credits before purchase | Instant credit, pay in installments |
| Timing | Save now, spend later | Buy now, pay later |
| Credit Check | No | Sometimes |
| Savings | Immediate discounts | None |
| Interest & Fees | None | Possible interest & late fees |
| Rewards | Bonus credits, targeted deals | Occasionally offered |
| Consumer Risk | No debt, no default risk | Debt risk, missed payments, credit impact |
| Behavioral Impact | Promotes saving & budgeting | Encourages impulse buying |
| Usage Flexibility | Credits can be gifted, shared, traded, pooled | Single-use per transaction |
| Emotional Outcome | Peace of mind – fully paid | Future obligation – potential stress |
Why ONESTPAY™?
ONESTPAY™ offers a platform where you prepay for future
purchases, and stores reward their commitment.
Make Your Money Work
Instead of leaving your money idle in a bank earning minimal interest
Buy credits from trusted stores
Pay stores upfront and receive merchant credits from trusted stores
Get Instant Savings
Get instant savings from stores, adding value to every transaction
Use for multiple purposes
Shop, gift, donate, trade, redeem merchant credits with ease
More value and flexibility
ONESTPAY™ offers far more value and flexibility than any traditional
Maximize your rewards
ONESTPAY™ lets you get more out of every dollar—unlock the benefits
ONESTPAY™ Easy INSTALLMENTS
FOR BIG-TICKET PURCHASES
For high-value items like electronics, furniture, appliances, jewelry, and planned events, use OnestPay™ to prepay in easy installments and enjoy savings and rewards along the way
furniture
appliances
jewelry
wedding
travel
Christmas
Spread Out Costs
Break down large purchases into manageable, pre-scheduled payments
Earn Rewards with Each Payment
Each advance installment adds rewards to your balance, boosting your spending power for future purchases.
Enjoy Peace of Mind
Know that your payments are going directly to trusted stores with built-in benefits.
ONESTPAY™: REWARDING CONNECTIONS
Gift, Donate, Share, Save Together
ONESTPAY™ is more than a payment platform—it’s a social rewards experience that lets you use your balance in ways that create meaningful impact.
Gift
Share Merchant Credits with family and friends, giving them the benefits of OnestPay™ while earning rewards.
Donate
Support causes that matter by donating Merchant Credits to trusted charities and non-profits, amplifying the impact of your OnestPay™ balance.
Share and Boost Rewards
Share Merchant Credits with friends and family to grow your Bonus, maximizing your rewards with every share.
Group Buy for Bigger Savings
Pool resources with friends and family on OnestPay™ to unlock exclusive discounts and special deals.
With OnestPay™, you can gift, donate, share, and even buy together—transforming your spending power into shared experiences and greater value for everyone involved.
ONESTPAY™ - MAXIMUM FLEXIBILITY
ONESTPAY™ adapts to your changing needs, whether it’s shifting purchase preferences or liquidity requirements.
With OnestPay™, you have the flexibility to adjust as your financial needs evolve.
Trade Merchant Credits
If your purchase decision changes, trade and exchange within the ONESTPAY™ community
