Ontop Reviews 

Worst customer team and turn around times

It has been a pleasant surprise. I previously used Payoneer and PayPal, but without a doubt, the amount of benefits and features that the platform has been adding makes it the best option right now.

The platform works well and does its job, but I had some problems and that's why I'm not giving it 5 stars.

me suscribi al plan reserve y ahora no se puede dar de baja luego de un mes, si o si te cobran todos los meses del año y no lo explican claramente en ningun lado.
Es un engaño por completo.

Es una excelente plataforma, sencilla de usar. Fácil acceso a tus transacciones

Pues primero que te pidan que consignen dinero para poder realizar pedidos es algo muy grave, hice en total un consignación de 170.000 mil pesos, y tienes que hacer 5 tareas e iba por la 3 imagínate para la 4 ya pedían 300.000 mil pesos adicionales, alguien debe de regular esto !! Obvio ya fue demasiado monto para perder así que decidí catalogarlo como la estafa del año!!! Ojo denuncien.

El servicio de pago funciona, pero los productos Reserve y el cashback fallan frecuentemente, lo que genera pérdidas para el usuario. A pesar de presentar evidencia, el soporte no ayuda con ese tipo de problemas. Tener cuidado si se utilizan esos servicios.

I used Ontop as an international contractor based in Europe, and the platform's payment practices are deeply exploitative.

Even though I live in Europe and my local currency is the Euro, Ontop strictly refused my requests to be paid in EUR. They forced every single one of my payouts to go through in USD.

Because they force a currency mismatch, you are trapped paying massive foreign exchange (FX) conversion fees just to get your money into your local bank account. To make matters worse, the monthly fees are a complete lottery. Even when my monthly contractor invoice amount was exactly the same, the fees fluctuated wildly and were never the same twice.

Forcing European contractors to accept USD just so the platform can quietly skim money off the exchange rate margins feels less like a financial service and more like a scam. If you are a company looking to hire international contractors, please look elsewhere, your talent is losing a significant portion of their hard-earned income to Ontop's hidden, predatory fees.

amazing experience

I have no words, terrible service.

Terrible support, consisting of continuous AI agents who drive you around just like that
Every month, I have to submit my own request for reimbursement of the commission, which should not be required by the Ontop conditions at all
I’ve never seen such a terrible support service

Increíble, 2026 y aún una plataforma de demora en hacer transacciones casi 5 días, mi empresa me pagó el 23 y llegó hasta el 28, cada vez que voy a enviar dinero sale que hay un error, la tarjeta para pedirla sumamente costosa y ni siquiera están integrados a Apple Pay… se demoran, tienen fallos siempre, descuentan bastante y su atención al cliente es aún más mediocre.

Increíblemente mala.

The worst app I've ever seen... Literally, the worst one.

Remark: I have a minor defect on my device - the fingerprint sensor doesn't work. Yeap, it's annoying sometimes, but I think normal people don't even consider buying a new smartphone because of non-working fingerprint sensor, if all the rest functions work fine...

So, the situation is that I couldn't use the Ontop app at all - because all the transactions require a fingerprint confirmation.

Of course, I've contacted the support team and, during the next 2 weeks, 5 different support team members have shown a perfectly great "professionalism", advising the "solutions" of different levels of madness, starting from blaming a 3rd party in non-having an SMS verification options (yes, sometimes it happens with the electricity service providers, when you're paying the bills) - and advising to contact them.

When the Ontop support team finally realised, that the issue is on their side (and also noticing that, oh no, the reason why the transactions were unsuccessful was - that they either were cancelled by me or by the timeout... A top level of logical thinking... Sherlock Holmes is nervously smoking on the sidelines... Of course, the transactions were cancelled because I couldn't confirm them, because my fingerprint sensor doesn't work), they continued with the following "great" solutions:
* Update the Ontop app to the latest version.
* Update your phone’s operating system to the latest available version.
* Log out of the app and log back in.
* Fully uninstall the Ontop app and reinstall it from the official store.
* Restart your device before attempting the transaction again.
And, of course, they advised to disable the fingerprint setting in the app (which was disabled from the very beginning - because I even couldn't enable it, because, again, my fingerprint sensor doesn't work...).

At some point of time (during these 2 weeks) when I realised that the bills wouldn't be paid themselves, I've asked my friend to use his device to install the Ontop app, because he had a working fingerprint sensor.

After that, the support team contacted me again saying that (hip-hip-hurray!) they've noticed that my issue is solved (nope, unfortunately, providing a full access to my account to another person is not a solution) and after several more days of investigation, the tech team of Ontop finally responded that yes, the only way to confirm the transactions is the fingerprint (due to security reasons, of course). So, I cannot use the app at all due to security reasons - and the only way to solve this is either:
1) to buy a new device (which looks like too much money for the implicit transaction costs... But I don't mind if the Ontop team will buy a new device for me - because these implicit transaction costs is not my fault)
or
2) to provide a full access to another person with another device which has a working fingerprint sensor (top level of security, isn't it?)

But, we all understand that the security reasons are very important... That's why I recommend to everyone not to use the Ontop app at all. Be safe!

With Ontop, I can receive my salary in dollars and use a card to make payments and send money to different countries. The ease of transferring funds is very useful, as it allows me to register third-party accounts in multiple countries and make transfers easily.

I’m stuck in an endless loop with your questionnaire. Every single time I get flagged with the same “VPN/proxy” message.

To be crystal clear: I’m not using a VPN (and I don’t have one enabled), so I can’t “turn it off.” I’m on a normal network using a regular browser/device. The system provides no actionable details (what exactly is being detected, which check failed, how to fix it), and support hasn’t offered a real solution.

This is a complete waste of time and an extremely frustrating user experience.

Amaizing UX experience

Ontop is a great way to receive payments and I have been using it for the last 3 years without any issues. I am easily able to transfer money and the customer support is awesome.

Trying to top up my Tesco mobile phone for £10. Have received a receipt showing that the monies have been moved and everything seems to be ok. However my phone has not been activated after over 24 hrs. Why is this..!

En estos momentos presenta fallas de ingreso últimamente está presentado demasiadas fallas