Pay your way with Ottopay.

Stop taking on debt. Pay monthly bills over time with zero interest and no credit check.

Get Started
Otto hero image

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.

Pay bills on time, every time.

Use Otto to pay bills like Spectrum, AT&T or Geico then split the cost into smaller payments that align with payday.

Stay covered between paychecks.

Avoid low balances and enjoy financial flexibility with automatic coverage.

Manage subscriptions with ease.

Quickly cancel subscriptions and say goodbye to unwanted charges. Our unique Otto Cards have your back.

Get money the minute you need it.

Otto also offers instant interest-free cash advances to cover you until payday.

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