IT PAYS TO PAY WITH ONESTPAY
Buy credits, get cashback or bonus value immediately — save before you spend.
Prepay what you plan to spend. Keep control without debt or surprises.
Use anytime online or in‑store. Gift, share, or pool credits with others.
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), 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.
How it works
Four simple steps to start saving with Prepaid Credits.
1
Add money to your wallet
Top up securely from your bank or other available methods.
2
Buy Prepaid Credits
Choose a store you love — groceries, coffee, fashion, dining and more.
3
Get instant rewards
Receive cashback or bonus value as soon as you purchase credits.
4
Use anytime
Spend credits online or in‑store. They never expire and remain yours.
Spend Smart and Save More
OnestPay™ connects customers directly with trusted merchants, allowing you to prepay for planned purchases and earn instant cashback, effectively increasing the value of each dollar spent.
Buy Credits from Your favorite stores - groceries, coffee, fashion, dining and more. Store Credits in Wallet
Get Cashback instantly in your digital wallet
Pay Merchants At Checkout with Credits in wallet. In-Store and Online
Why Onestpay feels better
Earn cashback/bonus the moment you buy credits- save before you spend.
Prepay what you plan to spend. Stay in control without debt.
Send credits to family , split with friends, or pool balances for group needs.
Rewarding Connections
Strengthen Connections with those Who Matter Most.
Create Family Network. Link Accounts. Manage Allowances. Share Spending
Gift Smartly. Send Credits to Friends & Family. Earn Rewards
Donate Credits to trusted Charities and Non-Profits
Buy In Group to unlock more savings
Grow The Community. Refer Others. Get Rewarded
Maximum Flexibility
OnestPay™ adapts to your evolving needs—whether it’s changing spending plan or liquidity needs—so your money works smarter.
Buy Exclusive OnestPay Collections. Shop across multiple stores.
Choice Unlimited. Create your own deal — based on your preferences.
Plan Ahead for Big Purchases: Save in installments and pay for events.
Change of plans? Trade brand credits with other users easily
Safe, simple, and in your control
No credit check, No interest, No expiry. Your balance stays yours until you spend it.
- Transparent balances and history in one Wallet.
- Simple Online and in-store redemption.
- Support when you need it.
Create your wallet
Start small and see how much you save..
- Works online & in-store
- No credit check, no interest
- Instant value back when you buy credits