Autopay on your terms, not theirs.

Stop stressing about bills. Otto makes it easy to automate all your bills in one place and pay on a schedule that works for you, not the biller.

Get Started
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Here's how it works

Add expenses

Link your bank and select the bills and subscriptions you want Otto to pay.

Autopay with Otto

With your new virtual MastercardĀ®, set the payment to autopay and we'll cover it.

Pay as you get paid

Repay in small installments every payday and never pay interest or late fees.

We pay today, you pay on payday.

Use Otto to pay bills like spectrum, AT&T or Geico then split the cost into small, budget friendly payments on payday.

Autopay with a safety net.

Avoid the constant charges that drain your account and pay as you get paid, rather than randomly throughout the month.

Always on time for peace of mind.

Otto's virtual cards add a layer
of protection against common fees while guaranteeing bills get paid on time, even if you need more time.

The safest way to pay.

In the last 5 years, nearly 50% of Americans have had their data exposed. Fight back with Otto Cards.


Unlimited Virtual Cards

Protects your real card details.

Unique Card Numbers

Control payments at the expense level.

Single-Use Free Trial Cards

Enjoy free trials with auto-expiring cards.

All this and more for one low monthly fee.

We keep it simple. Just $3 per month for unlimited coverage.

No Interest

always zero percent

No Fees for Instant

get help in seconds

No Hidden Fees

not even late fees

No Need to "Tip"

those add up fast