Disclaimer

Frequently Asked Questions (FAQs) provided on this site are for informational purposes only and are intended to offer an initial understanding of the OnestPay™ platform prior to going live. Please note that these FAQs are indicative and may be updated or modified once OnestPay™ is live. As the app evolves, and new features are introduced, certain details may change to improve user experience and ensure compliance with the latest regulations.

Payment to Merchants

Q1. How do I use Merchant Credits to make a payment to merchants?

Merchant Credits and Bonus Credits are added to your OnestPay wallet or OnestPay Debit Card. For online purchases, enter your debit card details at the merchant’s checkout. For in-store purchases, swipe your OnestPay Debit Card at the point-of-sale terminal.

Q2. Can I split payments between Merchant Credits and Bonus Credits?

Yes, OnestPay allows you to split payments between Merchant Credits, Bonus Credits, and other linked payment methods to ensure seamless transactions.

Q3. What happens if my credit balance is not sufficient for payment?

If your Merchant Credits or Bonus Credits are insufficient, you can combine the balance with another payment method, such as a linked bank account, to complete the transaction.

Q4. Are there any fees for using Merchant Credits for payments?

No, there are no fees for using Merchant Credits to make payments to merchants.

Q5. How do I find merchants that accept OnestPay credits?

You can browse a list of participating merchants in the OnestPay app under the “Accepted Merchants” section. The list includes merchants across various categories like retail, dining, and travel.

Q6. How secure are transactions made to merchants?

OnestPay ensures security with Multi-Factor Authentication (MFA) and encryption protocols, safeguarding your payments and data.

Q7. What should I do if a payment to a merchant fails?

If a payment fails, check your credit balance and payment details. If the issue persists, contact OnestPay customer support for assistance.

Q8. Can I schedule payments to merchants in advance?

Currently, OnestPay does not support scheduling payments in advance. Payments must be made manually at the time of purchase.

Q9. What happens if I want to cancel a payment to a merchant?

Payments can only be canceled if the merchant’s policies allow it. Contact the merchant directly or OnestPay customer support for further assistance.

Q10. Can I use OnestPay credits for subscription-based services with merchants?

Yes, participating merchants offering subscription services may accept OnestPay credits. Ensure the merchant supports this option before initiating the transaction.

Q11. Is there a minimum purchase amount required to use OnestPay credits at checkout?

No, OnestPay credits can be applied to any purchase, whether small or large, with no minimum purchase amount required. This flexibility allows users to use their credits for any qualifying transaction, regardless of the total.

Q12. Will I receive a receipt or confirmation for purchases made with OnestPay credits?

Yes, you will receive a confirmation for every purchase made using OnestPay credits, ensuring you have a record of your purchases.

Q13. How can I view my transaction history to see details of purchases made with OnestPay credits?

You can view your complete transaction history by logging into your OnestPay account. Navigate to the transaction section in your dashboard, where you'll find details of all purchases made using your credits, including dates, amounts, and merchants.

Q14. Can I return an item I purchased using OnestPay credits?

Yes, you can return items purchased with OnestPay credits. Depending on the merchant’s return policy, the corresponding credits will be refunded to your OnestPay account, allowing you to use them for future purchases.

Q15. How long does it take for ‘refunded credits’ to appear in my account?

Refunded credits typically appear in your OnestPay account within a few business days after the merchant processes the return. You can track the status of your refund through your account dashboard to stay updated.