Merchant Credits

Customers purchase credits from merchants (within OnestPay™ platform), often at a discount, to use for future purchases, giving customers instant savings. Merchants typically accept these credits as payment for goods or services.

OnestPay is a marketplace, where users can buy, sell, gift, donate, transfer or trade merchant credits.

Browse merchant credit deals from trusted stores on the OnestPay platform. Select one or more deals from stores, pay with your OnestPay account balance, and get instant savings. The purchased deals are instantly added to your wallet for use.

No, Merchant Credits do not expire, providing long-term flexibility for users.

No, there are no fees for buying merchant credits

No, OnestPay is currently available only to users within the United States.

No, OnestPay services, including purchases and transactions, are restricted to users located within the United States.

Customers purchase credits from merchants (within OnestPay™ platform), often at a discount. These savings are automatically applied, allowing you to get more value for your money.

The minimum and maximum purchase limits for Merchant Credits vary by merchant. These limits are clearly displayed in the deal details on OnestPay.

Yes, many merchants offer tiered discounts where the percentage of savings increases with the amount of credits purchased. Check the deal details for information on volume-based discounts.

OnestPay does not impose restrictions on the total credits you can hold in your wallet, but individual merchants may have caps on how much you can purchase per transaction.

Merchant Credits can only be used at participating merchants within the OnestPay platform.

OnestPay offers a wide variety of Merchant Credit deals, ranging from discounts on everyday essentials to exclusive offers on luxury items. Deals are curated to suit different spending needs and preferences.

OnestPay collaborates with both big retailers and local stores to provide a diverse range of deals. Users can find credits for well-known brands, as well as unique offers from small businesses in their area.

Log into your OnestPay account and navigate to the ‘Marketplace’ or ‘Deals’ section to explore a categorized list of available Merchant Credit deals, including retailer names, terms, and pricing.

Yes, OnestPay frequently offers special promotions, seasonal discounts, and limited-time deals. Check the platform regularly to take advantage of these offers.

Yes, the OnestPay platform allows you to filter deals by categories such as retail, dining, entertainment, travel, or local businesses. You can also sort deals by discount percentage or popularity.

Yes, many participating merchants offer exclusive deals and bonus credits to OnestPay users, enhancing your purchasing power and rewards.

OnestPay includes merchant ratings and reviews from other users, helping you make informed decisions about purchasing credits from specific retailers.

Merchant Credits can be used at both online stores and physical locations, depending on the merchant’s terms. Check the details of each deal to confirm its usability.

Discounts vary by merchant, but local stores may often offer competitive deals to attract customers, while big retailers provide more extensive coverage and options.

Yes, OnestPay offers region-specific deals, ensuring users have access to offers from merchants in their locality.

Yes, OnestPay welcomes user feedback and merchant suggestions. You can submit a request through the support section for new merchants or deal categories.

New deals are added regularly, including weekly and monthly updates. Users are encouraged to check the platform often to find the latest offers.

No, once merchant credits are purchased, you cannot cancel, and get a refund. However, you can gift, transfer, donate or sell in the secondary market.

If your purchase exceeds the merchant's maximum limit, the transaction will not go through, and you’ll be prompted to adjust the credit amount.

Yes, you can split large purchases into smaller transactions, but doing so may affect any bulk discounts offered by the merchant.

Some merchants may offer exclusive deals or additional discounts for frequent buyers or corporate accounts. Contact OnestPay support for more information about these opportunities.

The deal details section for each merchant will specify whether they offer volume-based discounts and the thresholds required to unlock them.

Yes, OnestPay often includes promotions for first-time buyers, which may include higher discounts or bonus credits for initial purchases.

Some merchants may have a minimum purchase requirement, but many deals cater to users seeking smaller amounts of credits. Check the platform for deals that match your preferences.

The OnestPay wallet allows you to view your balance, track transactions, and manage both Merchant Credits and Bonus Credits. You can also link bank accounts, add funds, and use credits for transactions seamlessly.

Merchant Credits and Bonus Credits are added to your OnestPay wallet or OnestPay debit card. For online purchases, on the merchant's checkout page, simply enter the debit card number and other details to complete the transaction. For in-store purchases, swipe the debit card in the point-of-sale terminal.

If your merchant credit/bonus credit balances are insufficient, by default your linked bank account will be charged to cover the remaining amount. OnestPay allows you to split payments seamlessly.

Contact OnestPay’s customer support through the app’s communication module to raise a ticket or send a message. The support team will assist you promptly.

OnestPay ensures account security with Multi-Factor Authentication (MFA) and data encryption, protecting your credits and transactions at all times.

No, Merchant Credits cannot be redeemed for cash. However, they can be sold in the secondary market, gifted, transferred, or donated to charities through OnestPay.

If you choose not to use your Merchant Credits for purchases, you can sell them in the secondary market, gift them to friends, transfer them to another user, or donate them to a charity listed on OnestPay.

Yes, Merchant Credits can be pooled with other users to make collaborative purchases through OnestPay’s Group Buying feature.

Yes, Merchant Credits can be used for gifting

Yes, OnestPay allows you to add a personalized message when sending a gift, making the experience more thoughtful and tailored for the recipient.

No, OnestPay does not charge any fees for sending gifts. The full value of the gifted Merchant Credits is transferred to the recipient.

OnestPay does not impose a daily limit on the number of gifts you can send, as long as you have sufficient Merchant Credits in your account.

Yes, OnestPay provides a list of verified and registered charities that you can donate to. These charities cover various causes, ensuring you can support the one that aligns with your values.

Depending on your local tax laws and the charity's status, you may be eligible for a tax deduction. OnestPay provides a receipt for every donation, which you can use for tax purposes.

OnestPay does not impose a minimum donation amount. You can donate any amount of Merchant Credits as long as you have a sufficient balance.

Donations are processed instantly, and the charity receives the credits in real-time through the OnestPay platform.

The Magnifier feature allows users to earn bonus Credits when they gift, transfer, or donate Merchant Credits. Selected merchants may offer unique bonuses, such as credit value magnification or extra rewards, depending on the specific promotion.

Browse the "Incentives" section of the OnestPay app to view a list of merchants offering this feature, along with the applicable magnification rates

Yes, you can trade or transfer Merchant Credits with other users securely using the trading module in the OnestPay app.

No, OnestPay does not charge a nominal fee for listing or selling Merchant Credits in the secondary market. Check the marketplace terms for specific details.

List your Merchant Credits for sale in the secondary market within OnestPay. Other users can purchase them, and the transaction is securely processed.

The platform may set transaction limits, which will be displayed during the transfer or trading process.

All trades and transfers are protected by OnestPay’s encryption and Multi-Factor Authentication (MFA) to ensure user safety.