OnePay Reviews 1,637

TrustScore 3.5 out of 5

3.5

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Considering 938 reviews, most reviewers were somewhat happy with their experience overall. Many customers find the application process easy and quick, appreciating the convenience and user-friendly interface for managing their finances and making payments. They value features like cashback, investment options, and the flexibility to choose payment schedules that fit their budget, which helps them acquire items without upfront payments. However, some people were dissatisfied with the customer service, reporting difficulties in resolving issues, unhelpful representatives, and even instances of inappropriate behavior. There are also concerns regarding payment processing, with some experiencing issues with funds, accounts being closed without clear explanation, or issues with card functionality and balance releases.

What people talk about most

Payment

Consumers find payment to be ambiguous, with many reporting issues such as hidden charges, delayed fund... See more

Customer service

Clients share negative opinions on customer service, with many reviewers describing it as horrible,... See more

User experience

People report positive experiences with user experience, finding the app easy to use, convenient, and helpful... See more

Application

Customers consistently note ambiguous experiences with the app, with many praising its ease of use,... See more

Product

Reviewers mention ambiguous feedback about product, with many customers expressing satisfaction with the... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Everything was great. I had no trouble returning equipment, but it took quite ao long time for the credit to show up. It affected my credit record. One credit card lowered the amount I could charge be... See more

Company replied

Rated 4 out of 5 stars

Update: I got an email stating that a check for the rest of the money was comming. I did receive my money so they did make the situation right and I am grateful to them for that. Closed my account... See more

Company replied

Rated 4 out of 5 stars

It's a fast app. I go to walmart alot and paying via QR code is convenient, plus the discount via points that can be converted to cash is nice. However, I struggle with statements that do not have a C... See more

Company replied

Rated 5 out of 5 stars

Perfect app for all purposes. Easy and free transfers to other one pay members, secure connections to many other merchants and banking institutions. I dislike cards, banks, and the system as a... See more

Company replied


Company details

  1. Non-Bank Financial Service

Written by the company

OnePay is a leading consumer finance app on a mission to help customers achieve financial progress. The company is backed by Walmart and Ribbit Capital and partners with licensed banks to offer digital banking services that empower consumers to save, spend, borrow, and grow their money — all in one place. OnePay is a financial technology company, not a bank. Loans through OneProgress Services LLC (NMLS ID 2460509) and banking services through OnePay are provided by Coastal Community Bank or Lead Bank, Members FDIC. OnePay Debit Card is issued by banking partners Coastal Community Bank or Lead Bank, Members FDIC, pursuant to a license by Mastercard® International Incorporated. To learn more about OnePay, please visit https://www.onepay.com.


Contact info

3.5

Average

TrustScore 3.5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

Replied to 79% of negative reviews

Typically replies within 24 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Good

Excellents

May 13, 2026
OnePay logo

Reply from OnePay

Thank you for your review! We're glad to hear you're enjoying One!💙️

Rated 5 out of 5 stars

So far so good

So far so good. Smooth payment structure. No nonsense.

May 13, 2026
OnePay logo

Reply from OnePay

Thank you for your review! We're glad to hear you're enjoying OnePay!💙

Rated 5 out of 5 stars

One pay is a really cool app

One pay is a really cool app. I mean there’s only selected few places that let you borrow money from your check and that’s pretty cool. It’s convenient. It really does help if you’re in a bine

May 13, 2026
OnePay logo

Reply from OnePay

Thank you for your review! We're glad to hear you're enjoying OnePay!💙

Rated 5 out of 5 stars

One Pay Versatility

One Pay allows current information on credit rating, opportunities for savings and ability to move funds where needed when needed.

May 13, 2026
OnePay logo

Reply from OnePay

Thank you for your review! We're glad to hear you're enjoying OnePay!💙️

Rated 4 out of 5 stars

In most ways I like this card

In most ways I like this card. What I do not like is, I think it charged me 8.00 to transfer money back to my checking account when I accidentally pulled out too much money from that account and had to reverse some of the funds.

April 2, 2026
OnePay logo

Reply from OnePay

Thank you for the feedback here! We will share with our team and look into this. In the meantime, please reach out to our support team if you have any questions at socialsupport@onepay.com (mailto:socialsupport@onepay.com)

Rated 5 out of 5 stars

I enjoy using the app very much

I enjoy using the app very much. It is easy to use and I enjoy the “boosts” and other discounts.

May 13, 2026
OnePay logo

Reply from OnePay

Thank you for your review! We're glad to hear you're enjoying OnePay!💙

Rated 5 out of 5 stars

Great

Helped me be able to get order things and pay at a later date make payment on it

May 12, 2026
OnePay logo

Reply from OnePay

Thank you for your review! We're glad to hear you're enjoying OnePay!💙

Rated 5 out of 5 stars

So far ease of use

So far ease of use. Offers many services in one place.

May 12, 2026
OnePay logo

Reply from OnePay

Thank you for your review! We're glad to hear you're enjoying OnePay!💙

Rated 5 out of 5 stars

I love Onepay

I love Onepay. It is easy to manage and has never let me down . I like the way everything works and am always a azds at home easy it is to use.

May 12, 2026
OnePay logo

Reply from OnePay

Thanks so much for your review and for being a part of OnePay!💙️

Rated 5 out of 5 stars

OnePay is a great card to have

OnePay is a great card to have. There are lots of benefits that come with the card. Customer service is easy to withdrawl and load card. Paying bills is also easy.

May 12, 2026
OnePay logo

Reply from OnePay

Thanks so much for your review and for being a part of OnePay!💙️

Rated 1 out of 5 stars

Tenezee G


Tenezee Gehndyu
4:09 PM (0 minutes ago)
to Disputes

This issue needs to be escalated ASAP.

On May 11th 2026, I went to Walgreens to pay an FPL bill using the Western Union kiosk. I entered the transaction and then went to the cashier to pay. Something happened between Western Union system and Walgreens, not only did the bill NOT GET PAID, money was still taken from my account. I've called the merchant, Walgreens, and they do not have the funds. Western Union never received the funds on their end. Someone here is lying and I've asked you guys to investigate since last night, and I've received no response or escalation.

This is a serious matter and it needs to be escalated ASAP. I have this account to pay bills out of. I don't understand why you guys can't contact the merchant and get this resolved already.

May 12, 2026
Unprompted review
OnePay logo

Reply from OnePay

Sincerest apologies! Our support team would be happy to help! Please contact us at socialsupport@onepay.com and include the user name attached to your review so that we can assist further.

Rated 5 out of 5 stars

Love the cashback feature

Love the cashback feature. this is my favorite card

May 12, 2026
OnePay logo

Reply from OnePay

Thank you for your review! We're glad to hear you're enjoying OnePay!💙

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.

Learn more about other kinds of reviews.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look