Pay your way, with Ottopay.

Experience a better way to pay for the services you love and the bills you can’t live without. No interest. No credit check.

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 Mastercard®, 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.

All your monthly payments in one place.

Otto tracks your bills and subscriptions so you'll always know what you’re paying for and what's safe to spend.

Boost your balance between paychecks.

Combine bills into an interest-free payment plan that adjusts to your income. That means more money in your account between paydays.

Financial flexibility with automatic coverage.

Otto's virtual cards give you the flexibility to pay on your schedule with a safety net that covers you if you're low.

The safest way to pay.

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

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Unlimited Virtual Cards

Protects your real card details.

Unique Card Numbers

Control payments at the expense level.
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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