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 in minutes with no credit check. No fees. Zero interest.

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, helps you stay on top of what's due, and lets you pay using secure virtual cards.

Automate payments with total control

Paying bills with Otto gives you the security and convenience of autopay, but without the constant charges that drain your account.

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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A safety net to give you peace of mind

Our virtual cards come with automatic cash advances that cover you if you're low, helping you avoid surprise fees and disruptions to your favorite services.

Protect your wallet with Virtual Cards

A protective layer that sits on top of your existing bank account.

Eliminate fraud and hidden fees with powerful card controls.

Custom limits with instant alerts help you stay on budget.

How OttoPay works

Identify and link bills

Securely link your bank account and we'll identify all your bills and subscriptions. Select any bill that you want on OttoPay and instantly get a virtual Mastercard to pay.

Fund your account

Otto combines all your linked bills and determines how much to safely set aside based on your income. You can always edit and customize this in the app.

Autopay with a safety net

Otto will automatically pay your bills as they become due and can spot you a cash advance to cover the difference if you're low. 0% interest, always fee-free.

Identify and link bills

Securely link your bank account and we'll identify all your bills and subscriptions. Select any bill that you want on OttoPay and instantly get a virtual Mastercard to pay.

Fund your account

Otto combines all your linked bills and determines how much to safely set aside based on your income. You can always edit and customize this in the app.

Autopay with a safety net

Otto will automatically pay your bills as they become due and can spot you a cash advance to cover the difference if you're low. 0% interest, always fee-free.

Helping you avoid fees.
Even hidden ones.

Overdraft fees
Interest fees
Late fees
"Tips"

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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Seriously, what's the catch?

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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.