Split Payments: Use Credits + Bank + Card, All in One Go

01 Use Credits First

1.1 Buy & Load Merchant Credits with OnestPay™ Digital Wallet

1.1.1. Select Deals

• Log in to your OnestPay™ account
• Head to the Buy section
• Browse top deals from trusted merchants.
• You can see: Credit Amount, Amount Payable, Savings and Expiry Date
• Click on ‘Select’ for the option you prefer..

1.1.2 Add To Cart

• When ready, click ‘Add To Cart’. Go to Shopping Cart, then ‘Proceed To Checkout’
• You can also click ‘Continue Shopping’ for more options.

1.1.3 Add Credit

• Review your purchase, Available Cash Balance, Total Price,
• Click ‘Submit’ — and credits are yours!

Pro Tip: Deals often have expiry dates. Use them before they vanish!.

1.2 Gifting Credits in OnestPay™ – Made Super Easy

1.2.1. Select Recipient

You can send wallet credits to friends or family in simple steps:

• Scroll to the Gift Page
• Choose a recipient — search by name or invite someone new.
• To invite click on ‘Add Recipient’. You will be redirected to the Add Recipient Write the email address and click on ‘Submit’
• If your friends are using OnestPay™, click on ‘Select’.

1.2.2 Gift Your Friend

A ‘Create Gift Basket’ window will then appear.

Pick how to gift:

Gift Now With My Wallet Credits

• A ‘Merchant Credit’ window will appear showing a Merchant Credit Summary across different stores.
• Click on ‘Select’ for the store from which you want to gift credit.
• Enter the amount of credit you wish to gift.
• Click on the Gift icon to proceed.

Buy New Merchant Credits to Gift (Redirects you to Buy Page)

That’s it — your gift is sent, fee-free, and full of heart.

1.3 Trade Credits – Buy or Sell

Ready to hustle a bit? Here’s how to trade like a pro:

1.3.1. Buying Credits:

• Go to the ‘Trade’ Page
• You can see two tabs: Buy Credit and Sell Credit

A. Search Merchant Credits

• Under the ‘Buy Credit’ tab, browse available credits by merchant
• Use the Search bar or Filters to find the best deals
• Click Select

B. Preview and Purchase

A Preview Order window will appear displaying the following details:

• Merchant Name
• Available Balance
• Sale Amount
• Price
• Listing Date
• Expiry Date

After reviewing the order, you can choose to:

• Cancel the order by clicking on ‘Cancel’
• Proceed by clicking on ‘Place Order’ to finalize your purchase.

1.3.2 Selling Credits

• To sell credit, click on ‘Sell Credit’.
• Scroll down to the ‘Select Credits from My Wallet’
• You’ll see a list of merchant names and their available balances.
• Select one merchant credit for sale at a time.
• Click on ‘Select’ next to the credit you want to sell.

A. Preview and Place Order

A window titled ‘Set Terms for Sale’ will appear where you can:

• Enter the Sale Amount
• Enter the Discount
• The Price will auto-calculate based on the discount
• Set the Listing Date
• Set the Expiry Date
• Click on ‘Preview Order’.

A Preview Order page will open showing:

• Merchant Name
• Balance in Wallet
• Sale Amount
• Discount
• Price
• Listing Date
• Expiry Date
• Expiry Days

You will now have 3 options:

• ‘Edit’ to change the terms of the sale
• ‘Cancel’ to stop the process
• ‘Place Order’ to confirm and proceed with the sale

Real-time, peer-to-peer. No hidden fees. That’s how trading should be.

1.4 Donate Credits to Causes That Matter

Let’s give back — one credit at a time.

1.4.1. Select Charity

• Go to the ‘Donate’
• Scroll down and select a charity (only one can be selected at a time).
• Use the search bar under Send Donation to find a charity.
• Scroll a bit. Click the ‘Select’ button next to your chosen charity.

1.4.2 How To Donate

A ‘Create Donate Basket’ window will appear with two options to choose from:

• Donate now with my wallet credits
• Buy new merchant credits to donate

If you choose ‘Donate now with my wallet credits’:

• You’ll be redirected to the Merchant Credit page: (A summary will appear showing Available Credit across different stores.)
• Click ‘Select’ for the store whose credit you want to donate.
• Enter the amount of credit you wish to donate.
• Click the Gift icon to proceed.

If you choose ‘Buy new merchant credits to donate’:

• Click on ‘Buy New Merchant Credits To Gift’.
• You’ll be redirected to the Buy page.

02 Link Bank Account + Debit Card

Credits are powerful, but what if we want to go further?

With OnestPay™, you can split your payments across wallet credits, bank funds, and cards — seamlessly. Here’s how to set it up.

2.1. Link Your Bank Account

Linking your bank allows you to top-up or split payments directly from your balance.

• Go to My Account.
• In the left panel, Click on Payment Method.
• A drop-down menu will appear with three options: Link Bank Account, Add/Withdraw Funds, and Debit Card.
• Click on Link Bank Account.
• Click on Add Bank Account.

A window titled Add a Personal Account will appear.

Fill in the following details:

• Name of Bank
• Bank Routing Number
• Account Number

Click on Add This Account.

Your bank account is now successfully linked.

2.2 Add / Withdraw Funds via Your OnestPay™ Account

2.2.1 Click on Add/Withdraw Funds

Select Add or Withdraw Fund

You’ll see a Balance section that displays:

• Available amount in your wallet under the Cash section
• A table showing Date, Activity, Expense, Withdrawal, and Balance

Below the Balance section, you’ll find three options:

• Show Details
• Add Fund
• Withdraw Fund

A. To Add Funds

• Click on Add Fund.
• A window titled Add Funds will appear.

Fill in the following:

• Select Account
• Frequency
• Date
• Amount

Click Continue to proceed or Cancel to stop.

On the next screen (Review and Transfer), carefully check all details.

Click Submit to complete.

Funds have now been successfully added to your wallet.

B. To Withdraw Funds

• Click on ‘Withdraw Funds’.
• A window titled Withdraw Funds will appear.
• You’ll see your Available Balance.
• Enter the following details:
• Select Account under Transfer To, Date to Withdraw On, Withdrawal Amount
• Click Submit to proceed or Cancel to stop.

Funds will now be withdrawn to your selected account.

2.2.2 To View Transaction Details

• Click on ‘Show Details’.
• You’ll see a detailed activity report including Available Balance, Date & Time, Activity, Deposit, Opening Balance, Expense, Withdrawal, and Final Balance.

Confirm the transactions and track everything in your wallet.

2.3 Link Your Debit Card

Some purchases need a quick swipe — or tap.

• Navigate to the Debit Card Page
• Add your card details securely
• Use it for top-ups or during checkout when credits aren’t enough

It’s that easy.