Take control of your bills with OttoPay

First, you connect your bank account with Otto and we'll do the hard work to identify your income and all your monthly payments.

You then select the bills and subscriptions you want Otto to manage, and we'll instantly create you a virtual payment card that you use to pay that biller. If you have a bill that is due today, we may require you to make a small deposit if the amount is greater than your current spending limit. 

The best way to use Otto is to create a virtual card, add it into the biller, then set that bill to autopay (most subscriptions will default to autopay so no worries there). 

Finally, we'll total up the amount of all the bills and subscriptions linked, and you can select the ideal frequency which to automatically repay Otto. 

Most people pay based on their income schedule, but you can also pay early and unlock cash back bonuses! It's hands down the easiest way to manage and pay your recurring bills.✨

First, you connect your bank account with Otto and we'll do the hard work to identify your income and all your monthly payments.

You then select the bills and subscriptions you want Otto to manage, and we'll instantly create you a virtual payment card that you use to pay that biller. If you have a bill that is due today, we may require you to make a small deposit if the amount is greater than your current spending limit. 

The best way to use Otto is to create a virtual card, add it into the biller, then set that bill to autopay (most subscriptions will default to autopay so no worries there). 

At the end of each month, we add up all of your bill payments and report them to the major credit bureaus (all 3!) to help build your credit!

And there you have it, bills that build credit. ✨

Let's face it...paying bills remains one of the most stressful and time-consuming tasks there is. 

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Today, over 100 million Americans struggle every month to pay their bills. Those living paycheck to paycheck are at even greater risk of paying overdraft fees if they autopay their bills or paying late due to the fragmented experience of having to log into 10+ websites each month to remember when to pay. 

But paying bills on time has a large impact on a person’s future. It is not just about avoiding fees — credit scores are essentially report cards on paying bills on time. The more bills are paid on time without mistakes, the better the score. The better the score, the more access to credit. And that can make a big difference in people’s daily lives.

Enter Ottopay, a modern and personalized autopay experience built around you, not the biller. Our mission is to remove the stress of paying your bills by automating them to work on your schedule, not the other way around. By having one place to manage and pay all your monthly bills, you’ll save time and avoid those pesky fees that keep you from reaching your goals. Otto is here to give you the financial peace of mind you deserve, one bill at a time. 

Nope! Credit cards require hard inquiries on your credit score and come with high interest rates to keep you in debt.

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Otto is a brand new bill payment experience that gives you a virtual card for every bill and allows you to build credit with the bills and subscriptions you're already paying! 

Not just that, we also help smooth out those payments to align with your personal income and cash flow. Otto may also help cover those small gaps when a bill might be higher than expected or when you need a couple extra days to pay.

Think of us as a personal assistant that works with your bills and subscriptions services to make sure they only charge you on the days that work for YOU, all while automatically building you positive credit history.

Nothing! Nada! Zip! 

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Just like any other credit or debit card company, Otto receives a small fee from the merchant every time you pay a bill or subscription using your Otto Card. This is called "interchange" and is how we can deliver this awesome experience to you 100% free of charge.

Most credit-building products make money from steep interest rates, hidden fees, and by selling your personal data.

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At Otto, we don't think that's right. That's why we charge a flat monthly subscription instead. Just $7.99 /month!

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This way you can focus on building credit and working towards long-term goals with the money you actually have, without worrying about things like data mining, steep interest rates, or hidden fees.

There is no catch!

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Most cash advance apps make money from instant transfer fees or “voluntary tips” that usually equate to over 300% APR. And credit card companies trap you with steep interest rates, hidden fees, and by selling your personal data—especially the "free" cards.

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At Otto, we don't think that's right. That's why we've stripped out all fees entirely! 

We’re not like other companies that stick in fine print. What you see is what you get.

All we ask is that you use Otto responsibly and tell your friends! :)

To put it simply: security and control. 

Virtual cards act as a layer of protection between your real card or bank account and the merchant. These cards can be a buffer against cases when merchants you shop at get breached, merchant overcharges, or grey market subscription scams. By using Otto’s virtual cards, you keep your real card number protected with total control over who can charge your card, how much, and how often.

Best of all, it’s super easy! You use Otto Cards exactly like how you use your normal credit or debit card, but without any of the anxiety that comes with giving out your physical card’s information knowing that it’s only a matter of time until the next data breach.

Great question! Otto is currently hyper-focused on helping you manage monthly bills like your cellphone plan, cable/internet, car insurance, and all those subscriptions that seem to endlessly pile up on your bank statement. 

Otto does not pay for things like rent, credit cards, loans, or one-time purchases for those sneakers you’ve always wanted. As we expand to other bills, we hope to become your hassle-free bill payment center; where you get to easily arrange and manage your finances without stress.

Otto is not a BNPL for monthly bills.

Otto is designed to help smooth out monthly bills and align them around a schedule you control and that works for your budget. You set money aside on the optimal schedule that works for you and when the bill comes due, Otto will pay it for you. We also give you peace of mind by covering bill payments you if you're low with a fee-free cash advance. Pay us back on your next payday with 0% interest and no hidden fees.

With Otto, you pay bills on time on a schedule that works for you, and never have to worry about getting into debt. Think of us as a personal assistant that works with your bills and subscriptions services to make sure they only charge you on the days that work for YOU, not them.