Pay
With
OnestPay

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  • Smarter way to make everyday payments
  • Simple, flexible and more rewarding than cards
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What Is OnestPay™?

For Smart Shoppers. Turn Shopping into Savings

  • Designed for Everyday Purchases
  • Prepay stores where you regularly shop
  • In exchange, Get Store Credits
  • And, instant cashback
  • Shop and Pay with Credits - in store and online
  • More ways to use Credits - Gift, Donate, Share and Trade
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What 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.

What 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
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Buy Credits

Upto 5%

Instant Cashback

300+

Reputed Brands

Flexible Use

$0

No Fees

Secure eWallet

How ONESTPAY™ Works?

ONESTPAY™ offers a platform where you prepay for future purchases,
and stores reward their commitment.

Step 1

Sign-up. Create your Wallet

  • Sign-up with E-mail
  • Create your Wallet Automatically
  • Add Funds To Your Wallet

Step 2

Buy Credits from Select Merchants

  • Browse Onestpay for Merchant Credit offers
  • Select & Pay for offers with funds in wallet
  • Get Merchant Credits & instant Cashback

Step 3

Pay at store checkout with credits

  • Shop Online and In-Stores anywhere
  • Pay directly with credits at checkout
  • Track your spend at one place

Step 4

Unlock More Ways to Use Credits

  • Gift, Share, Save for Events
  • Trade Credits if you change your mind

Buy Credits From Trusted BrandsGet $ Instant Cashback

Discover amazing deals from leading brands.

Macy's
Macy's

5.00% Cashback

Abercrombie & Fitch
Abercrombie & Fitch

4.50% Cashback

Walmart
Walmart

1.00% Cashback

Ulta
Ulta

4.50% Cashback

DSW
DSW

5.00% Cashback

H&M
H&M

5.00% Cashback

Petco
Petco

6.50% Cashback

Albertsons
Albertsons

1.00% Cashback

Olive Garden
Olive Garden

4.00% Cashback

ROBLOX
ROBLOX

4.00% Cashback

Home Depot
Home Depot

2.00% Cashback

Safeway
Safeway

1.00% Cashback

Best Buy
Best Buy

2.00% Cashback

Adidas
Adidas

6.50% Cashback

Academy Sports and Outdoors
Academy Sports and Outdoors

2.00% Cashback

Dominos
Dominos

4.00% Cashback

Finish Line
Finish Line

6.50% Cashback

Harris Teeter
Harris Teeter

1.00% Cashback

Target
Target

2.00% Cashback

Puma
Puma

6.00% Cashback

Sierra Trading Post
Sierra Trading Post

4.00% Cashback

Smashburger
Smashburger

5.00% Cashback

Subway
Subway

2.50% Cashback

Tower of Americas
Tower of Americas

4.50% Cashback

View Deals

Why Use OnestPay™? Spend. Gift. Trade. Share

Cashback

  • Instant Cashback on everyday purchase - grocery, gas, clothing, dine-in and more
  • Earn bonus for gift, share, referral, and loyalty
  • Combine with coupons, discounts and promos. No restrictions

Convenience

  • No Fees, No Expiry, No Credit Check
  • Use Anywhere - Online and In-store
  • Spend at any of 300+ retailers
  • Available 24/7 digital access
  • Reload funds anytime
  • Personal & Family Account

Flexible

  • Select from available deals or customize per your need
  • Use Credits anyway you want - Spend, Share, Gift, Group Buy, Trade

Top Cashback Deals

Carnival Cruise
Carnival Cruise
6.00% Cash Back
Southwest Airlines
Southwest Airlines
3.00% Cash Back
AMC Theaters
AMC Theaters
4.50% Cash Back
Panera Bread
Panera Bread
3.50% Cash Back
Barnes & Noble
Barnes & Noble
3.50% Cash Back
View more deals

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Onestpay Exclusives

Food, Grocery, Essentials, Apparel

OnestPay Food & Dining Collection

Meals, snacks, and treats—all in one place.

Cash Back: 4%

Dine & Delight

Cash Back: 4%
Cash Back: 3.5%

Eats & Treats

Cash Back: 3.5%
Cash Back: 2.5%

Fast Flavor

Cash Back: 2.5%
Cash Back: 3.5%

Flavor & Fun

Cash Back: 3.5%

OnestPay Everyday Living Collection

From groceries to home—shop better, save more.

Cash Back: 1%

Grocery & Essentials

Cash Back: 1%
Cash Back: 1%

Everyday Essentials

Cash Back: 1%
Cash Back: 3%

Pet Care

Cash Back: 3%
Cash Back: 3.5%

Home & Living

Cash Back: 3.5%

OnestPay Style & Fashion Collection

Fresh looks, favorite brands, and smarter shopping.

Cash Back: 1.5%

Beauty & Care

Cash Back: 1.5%
Cash Back: 4%

Style & Savings

Cash Back: 4%
Cash Back: 4%

Fashion Forward

Cash Back: 4%
Cash Back: 3.5%

All About Footwear

Cash Back: 3.5%
More Special Deals

frequently
asked questions

Q1: What are ‘merchant credits’?

Customers purchase credits from merchants (within OnestPay™ platform), often at a discount, to use for future purchases, giving customers instant savings. Merchants typically accept these credits as payment for goods or services.

Q2: What is OnestPay?
Q3: How do I purchase Merchant Credits on OnestPay?
Q4: Do Merchant Credits expire?
Learn More

Some of our Favorite Deals of the Season

Handpicked for you from top brands.

Sephora

Sephora

Cash Back: 4.00%

Shake Shack

Shake Shack

Cash Back: 3.50%

Starbucks

Starbucks

Cash Back: 2.00%

View More Deals

Join ONESTPAY™
Community

Shape the Future of Everyday Payments

Your Insights Fuel Innovation!

Sign up
  • 1Payment innovation doesn’t happen every day—but now is your chance to define the next generation of payment systems.
  • 2Become a co-creator as we build ONESTPAY™, a revolutionary payment system designed for everyday spending.
  • 3As a first step, sign-up. Stay informed about the latest features, exclusive offers, and innovations, with priority access to new rewards.
  • 4Plus, when ONESTPAY™ officially launches, you’ll receive a special bonus as one of our loyal founding members.
Sign up