Take control of your bills with OttoPay

Simplify your budget with one account to manage all your bills and subscriptions and pay with secure virtual cards that protect your data.

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

Get Started
Coming soon to Google Play & App Store
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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 visiting 10+ websites just to pay.

Always be ready for your bills

Otto analyzes your upcoming expenses and determines how much to safely set aside so you’re always ready when they’re due.

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 Week

$ 66.25

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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.

Create unlimited, free virtual cards

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

Eliminates fraud and hidden fees with merchant level controls.

Turn cards on and off with a tap to stop unwanted charges.

How OttoPay works

Link monthly 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.

Autopay the safer way

Set money aside once a week and when the bill comes due, Otto will make sure it’s paid on time.

Link monthly 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.

Autopay the safer way

Set money aside once a week and when the bill comes due, Otto will make sure it’s paid on time.

Helping you avoid fees.
Even hidden ones.

Overdraft fees
Interest fees
Late fees
"Tips"

Our members agree, it’s a no-brainer.

Get Started

“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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