Essential User Instructions: Wallet, Reports & Credit Rules

Welcome to your ultimate walkthrough of the OnestPay™ experience.

If you’ve been wondering how to add funds, read reports, gift responsibly, or manage your bank accounts—you’ve landed in the right place. This guide is for every user who wants a simple, step-by-step guide to make the most of OnestPay’s™ smart, secure, and socially powered wallet system.

Whether you’re just starting or you’ve been using OnestPay™ for a while, this guide will take you through the essentials—from navigating your Wallet to understanding the logic behind Credit Rules.

Let’s dive in!

01 Add Funds Using Today’s Date

 

Get Started in 3 Easy Clicks

Whether you’re prepping for a purchase or just want to load your wallet for future use, adding funds is the first step to unlocking OnestPay’s™ full potential. Here’s how:

1. Go to the Balance page
2. Choose your Payment Method (Primary or Secondary bank account). Go to Payment Method Settings
3. Enter the amount, select the date “you can use Today’s Date” as the transaction time for an immediate deposit, and hit Add Funds
4. Use your OnestPay™ Debit Card or linked bank account to confirm.

Tip: Make sure your bank account is linked for faster transactions. Instant deposits = instant savings..

02 Reports You’ll Actually Use: Viewing & Understanding Transactions

 

Tired of complicated statements? OnestPay™ makes reports refreshingly simple.

Track Everything — From Orders to Trade History

The Reports Dashboard gives you full visibility into every credit move you make. Here’s how to stay on top of your spending and earning:

Go to:

• Order Details — for all credit purchases
• Donate Order Details — to track your charity impact
• Gift Order Details — see all gifted credits
• Trade Sale History — view credits you’ve sold
• Trade Buy History — check purchased credits from other users

Use Filters to narrow down by date, type, and amount — or download reports for record-keeping.

3. Credit Rules 101: Gifting, Donating & The $1 Rule

At OnestPay™, generosity comes with responsibility.

Key Rule:

➡️ You must always maintain a $1 minimum in your wallet before gifting or donating.

Why?

It’s a security safeguard — ensuring you always have access to basic features and wallet activity post-transaction.

Gifting Rules:

• Visit the Gift Page
• Send any amount instantly, with zero fees
• Add a personal message
• Receiver doesn’t need an account—they’ll be prompted to create one

Donating Rules:

• Go to Donate Credits
• Select a verified charity
• Send as little or as much as you want
• Receive a digital donation receipt for tax purposes

All donations and gifts are secured with Multi-Factor Authentication.

4. Why Gifting/Donation Rules Don’t Apply to Trading

Trading is handled differently—no $1 minimum balance required here.

When you’re trading credits, you’re in the open marketplace — the $1 minimum balance doesn’t apply here.

To trade your Merchant Credits:

• Visit Trade Credits
• Buy or sell merchant credits with peers
• Set your own prices
• Execute fast, secure transactions

You can also bundle credits from multiple merchants in one listing.

05 Managing Multiple Bank Accounts: Primary vs. Secondary

 

Control where your money comes from and goes. You can link more than one bank account to your OnestPay™ profile, but here’s how to stay in control: Manage Accounts

Linking Accounts:

• Head over to Payment Method Settings
• Add Primary (default) and Secondary bank accounts

What’s the Difference?

• Primary: Used for default deposits, withdrawals & purchases
• Secondary: Acts as backup if the Primary account has issues

You can switch anytime between accounts for different transactions. Seamless. Flexible. Smart.

Security Comes First

From Multi-Factor Authentication (MFA) to data encryption, your Wallet and transactions are protected every step of the way. Bonus: FDIC insurance applies to your cash balances (not Merchant or Bonus Credits).

Quick Recap – Your Smart Usage Checklist

• Add Funds via Wallet using today’s date to take advantage of flash deals.
• View all order types in one report dashboard
• Follow the $1 rule when gifting or donating
• Trade freely without donation rules
• Set Primary/Secondary bank accounts for flexibility

Take the Next Step & Pay Smart with OnestPay

OnestPay™ isn’t just another wallet—it’s your financial co-pilot.

Whether you’re adding funds, gifting friends, trading for value, or supporting causes, OnestPay™ gives you full control, with no hidden fees and maximum transparency.

So go ahead—log in, explore, and make your Wallet work smarter for you.

Start now at OnestPay.com