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. #233 of 247 best companies in 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 87% of negative reviews

Typically replies within 24 hours

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Rated 5 out of 5 stars

OnePay is good for Walmart but…

OnePay is good for Walmart but everything else you have to have the card to use at all other stores and if your credit isn’t good enough or if it goes down for dumb reasons they don’t let you get one, but you make all your payments really good with OnePay and Klarna they still don’t give you a OnePay card

May 1, 2026
OnePay logo

Reply from OnePay

Thank you for sharing your thoughts here. We'd like to know more about your experience with Onepay. Please reach out to our team at socialsupport@onepay.com and include the user name attached to your review.

Rated 5 out of 5 stars

It is great to be able to order and…

It is great to be able to order and make payments but they should think about helping us to feed our animals also

May 6, 2026
Unprompted review
OnePay logo

Reply from OnePay

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

Rated 5 out of 5 stars

Very thankful.

I am very thankful, and grateful for this platform. I strive to do better each time and I appreciate the opportunity to be able to serve my community. I look at it as a win-win situation for all.

May 5, 2026
OnePay logo

Reply from OnePay

Thanks for your review! We appreciate the kind words!💙

Rated 5 out of 5 stars

Easy to use

Easy to use, secure and quick transfers

May 5, 2026
Unprompted review
OnePay logo

Reply from OnePay

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

Rated 5 out of 5 stars

Convenience

Convenience, trust, ease!

May 5, 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 always a good thing when one goes…

It’s always a good thing when one goes shopping, but when you don’t quite got all the money at the moment it’s great to be able to pay in installments.

May 5, 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

Always there in need

Always there in need. Thanks One Pay.

December 30, 2025
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

Everything about one pay is great

Everything about one pay is great. I like that it doesn't cost anything to add money or fees. You can earn cash back on gas food among other things. Just all around great card to have.

May 5, 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 fast

OnePay with direct deposit a few days before paycheck and withdrawal at any Walmart it’s a life saver thank you 😊

May 5, 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

Went and got a cash advance and paid it…

Went and got a cash advance and paid it off and as soon as I paid it off I was gonna get another one and the cash advance icon was gone. And yes I was a cash+ member. So yes I'm just gonna stop doing business with onepay

April 29, 2026
Unprompted review
OnePay logo

Reply from OnePay

Sincerest apologies. Can you please reach out to us at socialsupport@onepay.com? We'd like to look into this for you.

Rated 4 out of 5 stars

It's a fast app

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 CSV download option.

May 5, 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

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