Take control of your bills with OttoPay

Manage bills and subscriptions from one place and pay on a schedule that works for you, not the biller. No more late fees, missed payments or taking on debt.

Get Started
Coming soon to Google Play & App Store

Otto works with thousands of providers to help you pay for the services you love and the bills you can't live without.

And many more...

Track, manage, and pay - in one app

Otto brings all your recurring payments into one view and helps you stay on top of what's due without needing to visit 10+ websites.

Always be ready for your bills

Set money aside on the optimal schedule that works for you and when the bill comes due, Otto will pay it for you with a secure, virtual cards that keeps you protected.

AT&T

$90.00 on Nov 3rd

Paid
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Xfinity

$110.00 on Nov 12th

Paid
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Hulu

$65.00 on Nov 23rd

Coming Up

Monthly Total

$ 265.00

Set Aside Every Payday

$ 132.50

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The safest way to pay

Create a protective layer on top of your existing bank account by using Otto virtual cards to pay bills and safeguard your money.

Protect your wallet with virtual cards

Use Otto virtual cards to pay your bills, protect your privacy, and safeguard your real data.

Shield your real account from hacks, theft, and data breaches.

Turn subscriptions on and off without it affecting your other expenses.

Pay with confidence everywhere Mastercard® is accepted.

How OttoPay works

Identify and link bills

Securely link your bank account and we'll identify all your bills and subscriptions that Otto can pay.

Get a virtual card

Select any bill that you want on OttoPay and instantly get a virtual Mastercard to pay.

Pay on your schedule

Create your ideal budget to pay bills and when the bill comes due, Otto will make sure it’s paid on time.

Identify and link bills

Securely link your bank account and we'll identify all your bills and subscriptions that Otto can pay.

Get a virtual card

Select any bill that you want on OttoPay and instantly get a virtual Mastercard to pay.

Pay on your schedule

Create your ideal budget to pay bills and when the bill comes due, Otto will make sure it’s paid on time.

No fees.
Seriously.

Just like any other debit card, Otto earns a small fee from the merchant when you use the Otto Card to pay.
Get Started

Our members agree, it’s a no-brainer.

“10 stars! I used Otto to manage everything from dog food to my insurance.”

John, November 3, 2021

“I use to overdraft all the time because of dumb things like Spotify. Not I just pay them all on payday and it's a breeze!”

Becca, November 16, 2021

“I’ve tried a lot of budgeting apps. Nothing works like Otto. It just...does it for you!”

Edgar, November 8, 2021

“Anyone who’s got multiple subscriptions needs this. You can see everything and only pay when your paycheck comes in.”

Sarah, December 1, 2021

“Haven’t had a single late fee since I signed up. Easiest way to pay bills I’ve found.”

Jose, December 2, 2021

“Never trusted autopay before. Now I only pay on payday and get $10 from Verizon every month just for using autopay.”

Alishia, December 12, 2021

“10 stars! I used Otto to manage everything from dog food to my insurance.”

John, November 3, 2021

“I use to overdraft all the time because of dumb things like Spotify. Not I just pay them all on payday and it's a breeze!”

Becca, November 16, 2021

“I’ve tried a lot of budgeting apps. Nothing works like Otto. It just...does it for you!”

Edgar, November 8, 2021

“Anyone who’s got multiple subscriptions needs this. You can see everything and only pay when your paycheck comes in.”

Sarah, December 1, 2021

“Haven’t had a single late fee since I signed up. Easiest way to pay bills I’ve found.”

Jose, December 2, 2021

“Never trusted autopay before. Now I only pay on payday and get $10 from Verizon every month just for using autopay.”

Alishia, December 12, 2021

“10 stars! I used Otto to manage everything from dog food to my insurance.”

John, November 3, 2021

“I use to overdraft all the time because of dumb things like Spotify. Not I just pay them all on payday and it's a breeze!”

Becca, November 16, 2021

“I’ve tried a lot of budgeting apps. Nothing works like Otto. It just...does it for you!”

Edgar, November 8, 2021

“Anyone who’s got multiple subscriptions needs this. You can see everything and only pay when your paycheck comes in.”

Sarah, December 1, 2021

“Haven’t had a single late fee since I signed up. Easiest way to pay bills I’ve found.”

Jose, December 2, 2021

“Never trusted autopay before. Now I only pay on payday and get $10 from Verizon every month just for using autopay.”

Alishia, December 12, 2021

Frequently asked questions.

How exactly does Otto work?

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Why does Otto exist?

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How much does Otto cost?

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Why use virtual cards instead of my normal debit card?

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What can’t Otto pay for me?

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Is Otto like a Buy Now, Pay Later for bills?

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Stop stressing about bills. Automate them with OttoPay.

Sign up in minutes with no credit check and experience what everyone is talking about.