It pays to pay with OnestpayBecome a Debit Card Hero.
OnestPay | Earn Cashback with Your Existing Debit Card
Link Your Debit Card.
Start Earning Cashback Instantly.
No Fees
No new card. No bank change.
Funds stay safe at your bank until you decide to pay.
Why OnestPay?
Cashback + Choice + Convenience + Confidence
01
Cashback
Turn everyday purchases into rewards.
- Earn cashback on every purchase through OnestPay.
- Receive cashback instantly when your purchase is completed.
- Receive cashback instantly when your purchase is completed.
- Get additional rewards through referrals, loyalty offers, and more.
02
Choice
Your purchases. Your brands. Your decision.
- Choose from 300+ popular brands.
- Shop online or in-store at participating merchants.
- Access OnestPay digitally, 24/7
- Use cashback your way—withdraw, invest, or spend.
03
Convenience
Keep your card. Keep your bank.
- Link your existing debit card—no new card or bank account.
- Enjoy FDIC protection. Funds remain at your bank until payment.
- Track your rewards and transaction in one wallet.
- Pay without carrying your physical debit card.
04
Confidence
Spend responsibly. Earn confidently.
- Spend money you already have for greater peace of mind.
- Earn rewards without taking on new debt.
- Explore how cashback could support your long-term financial goals.
- Start your wealth-building journey with no extra investments
Cashback rates and eligibility vary by brand. Eligible deposits at your bank retain FDIC insurance, subject to applicable limits. This statement does not establish FDIC coverage for the OnestPay cashback wallet.
Customer Mindset
Sound familiar?
Everyday thoughts about spending, rewards, and the future.
Your everyday spending. A step toward your goals.
Customer Mindset
Your debit card, with more rewards.
Keep your card and bank. Use OnestPay for eligible purchases at participating brands.
| Feature | Debit Card + OnestPay For eligible purchases through OnestPay | Regular Debit Card When you pay the merchant directly |
|---|---|---|
| Your card and bank account | Keep your existing debit card and checking account | Your existing debit card and checking account |
| Advance funding | No need to transfer money into OnestPay before shopping | Pay directly from your checking account |
| How you pay | Pay the merchant with your OnestPay App (already linked to your debit card) | Pay the merchant directly with your debit card |
| Cashback on purchases | Brand-specific cashback on eligible OnestPay purchases | Generally not available |
| When cashback arrives | Instant wallet credit after an eligible purchase completes and is confirmed | Generally not available |
| Reward tracking | View OnestPay cashback and eligible purchase history in one wallet | View account activity and any bank rewards through your bank |
OnestPay cashback applies to eligible purchases completed through its payment flow at participating brands. Linking a debit card alone does not earn cashback on every card purchase. Rates, availability and merchant requirements vary. Bank terms still apply.
Link Your Debit Card →Everyday purchases. Rewarding possibilities.
Shop 300+ leading brands across the U.S.
Cashback Countdown
Cashback Calculator
See how much cashback you could earn this year.
Let’s get started with a single question.
How Much Do You Spend Each Month?
Approximate monthly spend on clothing, groceries, dining out, travel and entertainment, gas, personal care, pets and hobbies.
Excludes mortgages, rent, vehicle payments, utilities, loan or card payments, insurance, retirement, taxes and charities.
Disclaimer: Cashback amounts are estimates only. Actual rewards vary by eligible spending, participating brands, rates and offers. Estimates are not a guarantee of future earnings.
Show Detailed Calculation
Illustrative calculation: monthly eligible spending × selected cashback rate × 12 months.
This estimate assumes all entered spending is eligible. Actual brand rates and eligible spending may differ.
How It Works
It takes less than two minutes. Rewards start today.
1. Log In & Start
Open the payment flow in your account.
2. Choose & Confirm
Select your store and authorize the amount.
3. Get Your Code & Pay
Use your code online or at the cashier.
4. Receive Your Cashback
See rewards after completion and confirmation.
1. Log In & Start
- Log in to your OnestPay account.
- Select Pay with OnestPay at the top of the page or inside your wallet.
2. Choose & Confirm
Select your store and authorize the amount.
- Select your store.
- Enter the final checkout amount.
- Authorize your payment and confirm when prompted.
3. Get Your Code & Pay
- OnestPay validates the transaction and generates a payment code, QR code, or barcode.
- Enter the code online or show it to the cashier, following the store’s instructions.*
4. Receive Your Cashback
- Complete your eligible purchase.
- Check your OnestPay wallet for cashback credited immediately after completion and confirmation.
* OnestPay uses stores’ existing gift card infrastructure to make cashback possible. At checkout, enter your code in the “Gift Card” field or tell the cashier you’re paying with a gift card code.
Frequently Asked Questions
Everything you need to know before you get started.
What do I gain with OnestPay?
Earn cashback on eligible purchases through OnestPay using your existing debit card. Choose from 300+ brands, keep your bank account, and track your OnestPay rewards and transactions in one wallet. Cashback rates and offer terms vary by store.
Will I need to change banks or get a new debit card?
No. Link your existing debit card and keep your current bank account. There is no need to transfer money into OnestPay before shopping. Funds stay in your bank account until you authorize a purchase.
Do my ordinary debit-card purchases automatically earn OnestPay cashback?
No. Linking your debit card alone does not earn OnestPay cashback on purchases you make directly with that card. To earn cashback, select an eligible store and complete your purchase through the OnestPay payment process. Review the current offer before confirming.
How do I pay at checkout?
Log in and select Pay with OnestPay. Choose your store, enter the final checkout amount, and authorize and confirm the payment. OnestPay generates a payment code, QR code, or barcode, depending on the store. Enter the code online or show it to the cashier, following the store’s instructions. Cashback is credited to your wallet after your eligible purchase is completed and confirmed.
Why can OnestPay offer cashback?
OnestPay uses stores’ existing gift card infrastructure to access discounted purchase value and shares a portion of that discount with you as cashback. At checkout, you may need to enter your payment code in the “Gift Card” field or tell the cashier you are using a gift card code. Available cashback varies by store and offer.
Can I trust OnestPay with my money?
You keep your existing bank account and debit card. There is no need to prefund OnestPay: you review the store and checkout amount, then authorize the purchase. Your funds remain at your bank until payment. OnestPay is not a bank; eligible deposits at your bank retain FDIC insurance subject to applicable limits. This does not mean your OnestPay cashback wallet is FDIC-insured. Review our Terms of Use, Privacy Policy, and Disclosures before getting started.
What should I do next?
Select Get Started to create your account and link your existing debit card. Browse the available stores and review an offer. When you are ready to make a planned purchase, select Pay with OnestPay and follow the checkout steps. You do not need to spend more to earn rewards.
Earn a $20 Sign-Up Bonus
Sign up, link an active debit card, and spend at least $25.
Your bonus becomes available after a 5-day waiting period.
