OnePay Reviews 1,637

TrustScore 3.5 out of 5

3.5

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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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1-star

Asks customers to review

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

Replied to 87% of negative reviews

Typically replies within 24 hours

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Rated 1 out of 5 stars

The new credit builder card seems to be…

The new credit builder card seems to be impossible to set up autopay.I really don't understand it's the same account same routing.But now i'm missing payments , something i've never done.

6 May 2026
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

I really appreciate OnePay being on…

I really appreciate OnePay being on fixed income, I’m able to get items and not have to pay the whole price all at once. Thanks a bunch OnePay !

6 May 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

My experience has been great

My experience has been great! It's giving me the luxury of making multiple purchases at once. Also I can pick my payment plan & payment amount! That makes it affordable to purchase higher marked items that I normally would have to wait to purchase! So I thank you for the support to do that. The process was easy & quick.

5 May 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

Nice app

This is a nice way to start alot of things like credit and savings

6 May 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

Everything was great

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 because they thought I bought 2 computers and I charged too much. Otherwise, any problems were with Walmart's customer service, not your organization.

31 March 2026
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

The payments

Love it allows me to get things and pay later

6 May 2026
OnePay logo

Reply from OnePay

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

Rated 5 out of 5 stars

The processing process

The processing process

6 May 2026
OnePay logo

Reply from OnePay

Thank you for the feedback here! We really appreciate it and will share with our team. In the meantime, please reach out to our Support team if you have any questions at socialsupport@onepay.com

Rated 5 out of 5 stars

Ease of use

Great app!!!

3 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

Incredibly convenient, "you'll love it"!

It's incredibly convenient! Everything has been accurate and immediate. I enjoy all of the extra perks and benefits. I like it so much that I just recently recommended it to a friend.

6 May 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 one I earn money when I spend…

I love one I earn money when I spend and I have never had a problem with my money been taking or missing that's a plus for me.

2 May 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 app and service

Great app and service. Very convenient with a lot of perks as well as many ways to save.

6 May 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

It's very good.

I love this app for buying and withdrawing money

6 May 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 have had nothing but a good…

I have had nothing but a good experience with this app will continue you use it as needed

5 May 2026
OnePay logo

Reply from OnePay

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

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