One to One

What is One to One?#

One to One is a free and simple way for OnePay customers to send and receive money with friends, family or co-workers. Money sent through One to One can only be transferred to a OnePay deposit account. If the recipient does not have a OnePay deposit account, you can sync your contacts to send them money via One to One, but they must open a OnePay deposit account one within 10 days of the money being sent, or it will be returned to the sender.

Teens who are an authorized user on a OnePay deposit account can also send and receive One to One payments. As a parent, you can manage your teen's One to One controls from the Teen or Family section on the Home tab; your teen can then use One to One based on the controls you set.

How do I get One to One?#

You only need to enroll once before transferring funds to someone. Existing OnePay customers do not need to enroll to receive funds.

To enroll in One to One:

Select One to One from the Home screen

Open Cash Control in the OnePay app and select One to One
You will have the option to sync your current contacts
- You will receive a username to share when using One to One
- If you are sending funds to a recipient who hasn’t joined OnePay yet, you will need to sync your contacts
Click on Use One to One

You can also tap here and select the One to One icon in the OnePay app.

How do I use One to One?#

To transfer funds instantly using One to One:

Select One to One from the Home screen

Open Cash Control in the OnePay app and select One to One
Identify the person you want to send funds to and the amount
Click on Send Cash

You can also tap here and select the One to One icon to transfer funds in the OnePay app.

One to One transfers can only be transferred to a OnePay deposit account. If a recipient does not already have an account, you must sync your contacts to send them money via One to One.

They must open an account within 10 days, otherwise the money will be returned to you.

You are not able to use Overdraft Protection to send funds with One to One.

Are there any limits on how much I can send or receive with One to One?#

The amount you can send and receive with One to One may vary based on several factors, including how long you've had your OnePay deposit account and whether or not you have received at least $500 in eligible direct deposits. We can't increase your monthly limit upon request.

If you add a teen as an authorized user, you as the parent can set your teen's One to One send and receive limits from the Teen or Family section on the Home tab.

Can I cancel a One to One payment I sent to someone outside OnePay ?#

You can cancel an external One to One payment within 10 days of sending it or until the recipient accepts it.

To cancel your One to One payment:

Navigate to the Checking section of your OnePay app.
Under the activity ledger, tap on the One to One transfer you wish to cancel.
Tap on Cancel Payment.
Select Yes, cancel from the cancel payment confirmation box

Note:

The Cancel Payment button will only appear if the payment has not been accepted.
If the payment has not been accepted for up to 10 days, it will be canceled automatically.
The transaction will disappear from the activity ledger after successful cancellation.

How to send money safely with One to One?#

One to One is a way to instantly send money from your account to your friends and family. It's important that you only send money to people you trust. You should verify and double-check the recipient information before confirming a payment, and it's best not to exchange payments with people you do not know

If you add a teen as an authorized user, you can set limits on payments and requests to other OnePay users and manage blocked senders/requestors through the One to One controls settings page.

Does One to One offer purchase protection? #

One to One does not offer purchase protection. You should be aware of payment scams and fraud schemes. One to One should not be used to pay people you do not know personally.

I was tricked into sending a One to One payment; what do I do?#

If you were tricked or persuaded into authorizing a One to One payment and did not receive what was expected, this may be considered a scam. Since you authorized the payment, you may not be able to get your money back. Contact our customer support or say Agent in chat as soon as possible and report the transaction if you fell victim to a scam.

If you or your teen receive a One to One payment that was sent as part of a scam, you or your teen should contact OnePay Support as soon as possible to report the scam and discuss next steps.

I did not send this One to One payment; what do I do?#

If you suspect fraud on your account, follow the steps outlined here: Disputes. You can also say "File a Dispute" in chat.

If you have a teen with a One to One payment that isn't recognized, you can review the activity from the Teen or Family section on the Home tab, and contact OnePay Support to report unauthorized activity or start a dispute if needed.

What are One to One controls?#

One to One controls let you manage who your teen can send money to and receive money from. You can also set a limit on the amount your teen can send in each One to One transfer.

How do I request money using One to One?#

You can now request money from other OnePay customers directly in the app.

To send a money request:

Open Cash Control in the OnePay app
Select One to One
Select the contact you want to request money from
On the amount screen, tap Request
Enter the amount and an optional note
Review and tap Confirm

Your request will appear in the Requests section on the One to One contacts page. The recipient will receive a push notification.

How do I accept or decline a One to One request I received?#

When someone sends you a One to One request, you will receive a push notification. Tap the notification to go directly to the Review and send a screen.

You can also find inbound requests by:

Opening Cash Control in the OnePay app
Selecting One to One
Navigating to the Requests section

Review the request details and tap Send instantly or Decline request to take action on the request. If you select Send Instantly funds will be instantly deducted from the pocket selected.

How do I cancel a One to One request I sent?#

To cancel a request you sent:

Navigate to Cash Control in the OnePay app
Select One to One
Go to the Requests section and tap on the open request
Select Cancel from the request detail screen

Note: The Cancel option is only available while the request has not yet been fulfilled by the recipient.

I sent a One to One request but haven't received payment — what should I do?#

If your request is still open, you can send the recipient a push notification reminder once a day.

To send a reminder

Navigate to Cash Control → One to One → Requests section
Tap on the open request
Select Remind

Keep in mind:

The Remind option can only be used once per day
If the recipient has already declined your request, you will not receive a notification — the request will no longer appear as active
If the request is not fulfilled within the allowed time, it will be automatically canceled and no funds will be transferred