One Platform, Two Journeys: OnestPay™ for Users & Merchants

Smart Credits, Smarter Commerce, and Social Spending in One Unified Wallet.

Welcome to OnestPay™, where your money doesn’t just sit — it moves, multiplies, and makes sense. Whether you’re a savvy shopper or a merchant— you’re in the right place.

One platform. Two journeys. One goal: Empowerment.

Let us guide you through everything you need to know to get the most out of your OnestPay™ experience — as a user, or a merchant.

Why We Stand Out?

At OnestPay™, we don’t just move money — we move value, rewards, and relationships. Here’s why thousands are making the switch:

• Zero Fees on gifting, donating, or transferring.
• Social-First Model — Invite, share, group-buy together.
• Trade Credits Peer-to-Peer — Like a marketplace.
• Support Charities without processing deductions.
• Built-in Transparency, FDIC-Insured Wallet, Real-Time Analytics

For Users | Flexible Payments & Social Gifting

01 Getting Started with OnestPay™

 

Creating your account is simple, fast, and free. Once you’re in, you’ll have access to the entire OnestPay™ ecosystem, including wallet features, rewards, and social tools.

• Head to com to register — it’s free.
• Link your bank accounts.
• Set up your digital wallet.
• Track balances, credits, and bonus.

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02 Merchant Credits: Instant Value

 

Merchant Credits are the heart of OnestPay™. You buy them at a discount and use them later — at your favorite stores.

• Buy from brands and reputed stores.
• Use in-store or online.
• Gift, transfer, donate, or trade — no fees.

03 Gifting, Donating & Sharing

 

Gifting and donating Merchant Credits is simple, secure, and personal. Whether it’s a birthday, a good cause, or just a kind gesture — it’s instant and appreciated. Personalize your gift with messages.

• Zero fee for gifting or donating.
• Donations generate tax-ready receipts.
• Track everything in your dashboard.

04 Trade, Transfer, and Group Buy

 

You’re not just spending — you’re participating in a social economy. With OnestPay™, you can collaborate, trade, and share value within your community.

• Trade credits on the open marketplace.
• Transfer credits to friends.
• Collaborate on purchases with Group Buying.
• Pool credits for better deals.

Social Features

OnestPay™ turns financial transactions into social interactions. You can connect with friends, share rewards, and communicate — all within the app.

• Create or join buying groups.
• Invite friends and earn rewards.
• Share credits across your network.

OnestPay™ App & Wallet

Manage all your credits and funds in a secure, FDIC-insured wallet — and spend it anywhere using your OnestPay™ Debit Card.

• FDIC-insured wallet.
• Request your OnestPay™ Debit Card.
• Track spending & balances.
• Access wallet across devices.

For Merchants | Grow Smarter, Not Harder

Getting started with OnestPay™ is a breeze — no software to install, no waiting weeks. Just sign up, verify, and start creating offers that convert.

• Easy Onboarding, Big Results.
• Get started in days — not weeks.
• No downloads required.
• Support for franchisees and multi-locations.
• Full control over deals and payout terms.

Build & Manage Deals with Ease

Merchant Credits are a major advantage for customer loyalty. You issue them, customers buy them, and you get paid instantly — simple and scalable.

• Set deal start/end times.
• Run A/B tests.
• Offer tiered and bundled credits.
• Target by region, behavior, or event.
• Track all of it in real time from your portal.

Real-Time Analytics

The Merchant Portal gives you instant visibility into your store’s performance — from customer redemptions to campaign ROI.

• See ROI per campaign.
• Track customer behavior.
• Export PDF/CSV/JSON reports.
• Predict future trends with AI insights.

Fund Management & Settlements

Every credit purchase is an opportunity to increase retention and track ROI. You control the offers, bonuses, and how often you get paid.

• Choose your payout schedule.
• Track redemptions and pending payments.
• Create bonus campaigns — for new or loyal users.
• Transparent pricing, no hidden fees.

Built-In Communication Tools

Keep customers informed, engaged, and coming back with OnestPay™’s built-in communication suite.

• Send SMS, email, and push offers.
• Schedule promotional alerts.
• Segment audiences.
• Get feedback with surveys.

Customer Relationships & Support

You’re never on your own. OnestPay™ provides 24/7 merchant support, plus training tailored to your team’s needs.

• Two-way chat with customers.
• Track and respond to reviews.
• API integrations with CRMs available.

OnestPay™ Empowers Everyone

At OnestPay™, we believe in building more than just financial tools — we build connections. Whether you’re a user or a merchant, this platform is designed to grow with you.

Let’s reimagine what money can do — not just for you, but for your entire community.

So Go Ahead, Explore. Spend Smarter. Earn Better. Connect Deeper.