FinTech News

OnePay Introduces After Purchase “Swipe to Finance” Feature

by Kyle BurbankJan 22, 2026

Walmart-backed FinTech OnePay is partnering with Klarna to bring customers a new way to finance purchases.

About OnePay Swipe to Finance:

This week, OnePay (formerly ONE Finance) revealed the latest addition to its lineup of financial services: Swipe to Finance. With this option, OnePay Cash customers can opt for a pay-over-time plan after making a purchase.

As with the larger OnePay Later platform, this “Swipe to Finance” feature will be powered by Klarna. Upon launch, customers will be able to review recent purchases in the app and convert eligible debit transactions to fixed-term payment plans.

“Swipe to Finance” is set to debut “in the coming months.” Moreover, OnePay teases additional products intended to expand its types of flexible payment options. These new features are expected later this year.

OnePay and Klarna first partnered in March 2025 to launch OnePay Later, which allowed customers to finance purchases made at Walmart.

More About OnePay:

OnePay is a digital neobanking app. With the OnePay Cash debit card, customers can elect to earn 3% back on Walmart purchases or on gas (up to $150 in spending per month). However, to unlock that offer, cardholders must receive at least $500 in direct deposits per month or hold a total balance of at least $5,000 at the end of the month.

Last year, OnePay also launched a rewards credit card. With the OnePay CashRewards Credit Card (issued by Synchrony Bank), cardholders can earn unlimited 3% back on Walmart purchases — rising to 5% back for cardholders who also hold a Walmart+ membership. All other purchases made with the card will earn 1.5% back.

What They’re Saying:

Announcing the idea behind the latest feature. OnePay Chief Commercial Officer Thomas Hoare said, “Not every purchase comes at the right time. Customers want and deserve financial flexibility when they need it most, which is why we’re excited to offer new ways for them to pay over time and do it simply, transparently, and all in the OnePay app.”

Additionally, Klarna’s Chief Commercial Officer David Sykes stated, “Post-purchase payments are becoming a core part of how people manage money. With Swipe to Finance powered by Klarna, we’re giving customers a simple, transparent way to take control of payments after the fact, directly in the OnePay app.” Skyes added, “It’s another step in expanding smarter payment options and meeting consumers wherever they choose to pay.”

My Thoughts:

This seems like the next natural extension of the growing “buy now, pay later” model. That said, I’m very curious to see the specifics on this feature, including how long customers have to opt in, whether a refund for the rest will be issued right away, and what types of purchases will be eligible. Of course, I’m also very interested to see what else OnePay has up its sleeve as a unique FinTech backed by one of the largest retailers in the country.

Author

Kyle Burbank

Head Writer ~ Fioney

Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

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