OnestPay · How it works

Your everyday debit card. More rewarding spending.

Create your account, link your existing debit card, and pay at eligible brands through OnestPay. Earn cashback when your purchase is completed and confirmed.

Get started →   Explore 300+ stores

No new debit card. No advance wallet funding. Your card funds your purchase when you confirm.

OnestPay · How it works
Simple from the first tap

Four steps to more rewarding purchases.

Follow the steps below, with a video guide for each part of the process.

Step 1 of 4

Sign Up & Verify Identity

Create your account and get ready to pay securely.

  • Sign up with your email and verify your mobile number.
  • Enter your first and last name, country of residence and residential address.
  • Complete the requested ID and selfie checks.
  • Follow the secure verification prompts in the app.

A secure start to more rewarding spending.

Sign Up & Verify Identity

Watch: Sign Up & Verify Identity

Four video guides · Preview thumbnails
Step 2 of 4

Link Debit Card

Use the debit card you already have.

  • Link your existing debit card to your OnestPay account.
  • Complete the required card and security validations.
  • No need to pre-fund your wallet or transfer money in advance.
  • Funds stay in your bank account until you confirm a purchase.

Your existing card. Your existing bank. More rewarding purchases.

Link Debit Card

Watch: Link Debit Card

Four video guides · Preview thumbnails
Step 3 of 4

Pay at Checkout

Choose a brand, enter the amount, and use your code.

  • Open OnestPay and select the merchant you plan to shop with.
  • Enter your checkout amount and review the current offer.
  • Confirm the purchase using your linked debit card.
  • Use the generated code at checkout according to the offer instructions.

A simple flow, from your debit card to your purchase.

Pay at Checkout

Watch: Pay at Checkout

Four video guides · Preview thumbnails
Step 4 of 4

Get Cashback

See your rewards and make them count.

  • Cashback credits to your OnestPay wallet when an eligible purchase is completed and confirmed.
  • Review the amount earned and your transaction history.
  • Cashback rates and eligibility depend on the current merchant offer.
  • Explore how your rewards could support your financial goals.

Everyday spending can power your next goal.

Get Cashback

Watch: Get Cashback

Four video guides · Preview thumbnails

Video thumbnails and app screens are illustrative previews. Video files are not included; connect each thumbnail to its tutorial before publishing. The $2.50 cashback shown is an example, not a guaranteed reward. Offers, eligibility and checkout instructions vary by brand.

Start with the card you already use.

Link your debit card and explore your next eligible cashback purchase.

Get started →

INFORMATION

© 2026. All Rights Reserved.
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Onestpay.com is currently available only in the United States and is intended for U.S. residents. The website may be accessed from outside the U.S., but purchases, redemptions, and other Onestpay services are not available to non-U.S. users.

Disclaimer

The merchants represented are not affiliated in any way with Onestpay, Inc. or its services. All logos, brand names, and other identifying marks shown are the trademarks and intellectual property of their respective owners. Their inclusion is solely for the purpose of identifying the participating merchants from whom next gen digital gift cards may be purchased or redeemed. Use of merchant names, logos, or branding does not imply any formal partnership, endorsement, or sponsorship between the merchants and Onestpay. All merchant terms, conditions, and policies remain solely under the control of the respective companies. Onestpay assumes no responsibility or liability for the services or products offered by the merchants, including the fulfilment of transactions or the availability of merchandise or services.