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OnePay Reviews 1,637

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TrustScore 3.5 out of 5

3.5

Non-Bank Financial Service
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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

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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

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Rated 5 out of 5 stars

Easy to shop and easy to pick a payment…

Easy to shop and easy to pick a payment plan that works for me!
Even the plans with interest are less than using my credit card!

7 May 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

Great

I love OnePay

11 May 2026
OnePay logo

Reply from OnePay

Thanks so much for your review! 💙

Rated 5 out of 5 stars

Use of card is easy

Use of card is easy! I love the cashback features and boost feature. The option to borrow cash until your next paycheck is so helpful. I’m really happy with my choice to use OnePay as my banking partner. So far so good!

11 May 2026
OnePay logo

Reply from OnePay

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

Rated 4 out of 5 stars

Easy to set up

Easy to use and fast to activate

11 May 2026
OnePay logo

Reply from OnePay

Thank you so much for the review! We sincerely appreciate your feedback! 💙

Rated 5 out of 5 stars

Onepay is the best

Onepay is the best

11 May 2026
OnePay logo

Reply from OnePay

Thank you so much for the review! We sincerely appreciate your feedback! 💙

Rated 1 out of 5 stars

Wrote me a closing check and the new…

Wrote me a closing check and the new eBank Cashapp told me endorse it saying "for mobile deposit only" and now Cashapp doesnt have meand to deposit it and its ruined for anywhere elkse and OnePay wont reisuue it.

They are scoundrels and need to be looked into by the FDIC BIG TIME

7 May 2026
Unprompted review
Rated 5 out of 5 stars

I love all the in app perks like…

I love all the in app perks like creating a savings account separate from my spending account to help save for road trips! This app is addictive!😊

10 May 2026
Unprompted review
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Reply from OnePay

Thanks so much for your review! We sincerely appreciate this feedback!

Rated 1 out of 5 stars

Exchange rate its to poor

10 May 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.

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