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Message Pay

Message Pay is the quick, easy way to make a payment to your O Bee loans or credit cards from any external account. You can pay from your smart phone, tablet, laptop, or home computer.

Now, you can make payments directly from a text on your mobile device from any external account.


Maybe you’re crazy-busy at work and home? Or the dog ate the bill? No worries, we understand that life is a balancing act. Sign up with Message Pay and if your loan payment is past due, you’ll get a friendly reminder via text message. The best part is you can make a payment right then, directly from a text on your mobile device. Presto!


1. Verify Your Account

2. Create 4-Digit PIN

3. Add Payment

How it Works

  • Once you sign up for Message Pay, you will receive a text message informing you of the amount due on your loan. You will be able to review your payment options, or you will be able to opt out of our text message service by texting “STOP.”
  • The link will take you to a portal where you will be asked to verify your account with your account number and date of birth.

When you verify your account for the first time you will have to setup the following:
  • 4-Digit PIN: Once you have entered your account number and date of birth, it will prompt you to create a 4 digit pin. Store this information in a secure place as you will need this pin number to verify future payments.
  • Preferred method of payment: To make a payment you will have to add your preferred form of payment in the portal. You can do this by selecting Add new debit card or Add new bank account which will prompt a secure website for you to input your information. If done correctly, there will be a message stating ‘Payment Method Success’ and you will be redirected to the payment portal.
  • Once your account has been successfully verified, you will be directed to the payment portal where you’ll be able to see all of your loans and will also be able to select your preferred payment method.

Frequently Asked Questions

Can I make a payment on my loans through my online and mobile banking account?
Log in to your online and mobile account using your smartphone, tablet or desktop and select ‘Make a Payment’ from the menu bar located on the left. This will take you to the payment portal where you will have to verify your account.

If I opt out of receiving text messages will I still be able to pay my loans online?
Yes, you will have to access the payment portal through our website or online and mobile banking. However, you will not receive any text notifications regarding payment reminders and will not be able to make a payment via text message.

How can I pay my account via text message?
Once you receive a text reminder, you respond “Pay” to the same text. You will be asked to enter your pin to verify your account, once you have completed this process your payment will be complete and you should receive a confirmation text. Please note: you will have to setup a 4 digit pin and preferred method of payment prior to using text payments.
  • The transaction fee is only $4.99 (online or text only).
  • Encrypted information guarantees your information is secure.
  • Convenient ways to pay from an external account: text, website, online/mobile banking.
  • Payments accepted from checking accounts, savings accounts and debit cards.