Walmart-backed OnePay is adding a branded wireless offering to its app, launching OnePay Wireless on Sept. 3, 2025, through a partnership with mobile services startup Gigs; the plan costs $35 per month for unlimited 5G data, talk and text on the AT&T network and can be activated in the OnePay app without credit checks or activation fees.
Key Takeaways
- OnePay, majority owned by Walmart, began offering OnePay Wireless in-app on Sept. 3, 2025.
- The plan is priced at $35 per month for unlimited 5G data, calls and texts, operating on AT&T’s network.
- Gigs, a mobile services startup, is the technical partner handling plan delivery and activation.
- Plans are activated entirely in the OnePay app, with no credit checks or activation fees, per Gigs.
- The move follows similar fintech–wireless tie-ups from firms such as Klarna and Nubank.
- Gigs and AT&T say there is a growing pipeline of U.S. companies planning branded wireless offerings.
- OnePay confirmed the launch but declined further comment to reporters.
Verified Facts
OnePay, created in 2021 with backing from Walmart and Ribbit Capital, has expanded from digital banking and payment services—credit and debit cards, high-yield savings, buy-now-pay-later and a digital wallet—into consumer connectivity. The company launched its branded wireless plan on Sept. 3, 2025, according to the partners.
Gigs described the OnePay Wireless package as $35 per month for unlimited 5G data, voice and text using AT&T’s network. The partners say the plan is activated inside the OnePay mobile app without activation fees or credit checks; billing and plan management are handled through the app.
| Feature | Detail |
|---|---|
| Monthly price | $35 |
| Data | Unlimited 5G |
| Voice & Text | Unlimited |
| Network | AT&T |
| Activation | In-app; no credit check or activation fee |
OnePay confirmed the launch but did not provide additional comment. Gigs said companies that embed wireless plans typically receive a revenue share; exact splits and financial terms were not disclosed publicly.
Context & Impact
The launch is part of OnePay’s longer-term strategy to become an all-in-one consumer app—mirroring international “super apps” such as WeChat and Alipay—by layering financial services with everyday utilities. Adding connectivity aims to increase user engagement and make OnePay a single stop for several monthly services.
For AT&T and its partners, embedded wireless offerings can reduce the carrier’s direct customer-acquisition costs while allowing app partners to bundle or cross-sell connectivity to existing user bases. That distribution model can be particularly attractive to fintechs seeking recurring revenue and tighter customer relationships.
- Fintechs benefit from a new subscription product to retain users.
- Consumers may see lower advertised prices through partner bundles and promotions.
- Carriers expand reach via partner channels without direct marketing to end users.
Official Statements
“We can now offer a product at a price point that is about half what the typical consumer pays right now,”
Hermann Frank, CEO, Gigs
“The future is one where consumers can buy and manage their cellular plans from any number of apps they use every day,”
William Traylor, AT&T VP, Emerging Business — Platforms & Partnerships
Unconfirmed
- Company statements that the plan costs “about half” of typical consumer bills are promotional claims; third-party cost comparisons were not provided.
- Details of the revenue-share arrangements between Gigs, AT&T and OnePay have not been disclosed.
- The size and timeline of the “growing pipeline” of U.S. partners were not specified in the joint statement.
Bottom Line
OnePay’s $35 unlimited 5G plan marks a notable step in a growing trend of fintech platforms adding connectivity to their product mix. If adopted widely, these partner-led plans could change how consumers purchase mobile service—making carrier plans available through everyday apps rather than direct carrier channels. Watch for further disclosures on pricing comparisons and revenue terms as more partners and plans surface.