Settle the bill,
keep the friends.
The AI-powered way to scan receipts, split expenses, and get paid back—in seconds.
+$54.62
You're owed money
✦ Vancouver Group
+$25.00 owed
How It Works
Three steps. Zero friction.
Snap a photo.
Our AI reads every line item instantly—no manual entry, no mistakes.
Drag and drop names.
Split by item, share equally, or percentage. Every edge case handled.
One tap to pay.
We optimize the math to minimize transfers. Fewer payments, zero drama.
Capabilities
Everything you need.
Nothing you don't.
AI Receipt Scanning
Snap a photo. Our AI reads every line item, price, and tax—then pre-fills the entire split form instantly.
One-tap Settle Optimizer
Our algorithm minimizes the total number of transfers across your group. What used to take 12 payments now takes 2.
Settle Optimizer
2 transfers · saves 4 steps
✦ Minimized to 2 transfers
Multi-currency
USD, CAD, EUR, GBP, INR support. Auto-converts at live rates.
Audit-ready
Full transparency for every bill. Export to PDF anytime.
Smart Groups
Trips, roommates, and events. Create once, reuse forever.
Real-time Feed
Context-rich push notifications. Know the moment you're paid.
Social Proof
Loved by thousands. Argued by none.
“We used PayMates for a 10-person trip to Portugal. Zero arguments about money for the first time ever. The AI scanning is witchcraft.”
Sarah M.
Frequent Traveler
“My roommates and I split everything from groceries to utilities. The settle optimizer reduced our monthly transfers from 8 payments to 2. Game changer.”
Jake L.
Roommate Coordinator
“The receipt scanner is incredibly accurate. It caught a mistake the waiter made that I would have missed. Paid for the app in its first use.”
Tom B.
Startup Founder
“Multi-currency support is perfect for our international friend group. No more converting in my head or using three different apps.”
Priya K.
Graduate Student
“Organized a 25-person bachelor party with PayMates. What would've been a nightmare was handled in 10 minutes. Everyone got paid back within the day.”
Marcus R.
Event Organizer
“The web link feature is brilliant. My friends who aren't on the app can still see what they owe. No more chasing people down.”
Anya S.
Digital Nomad
“We used PayMates for a 10-person trip to Portugal. Zero arguments about money for the first time ever. The AI scanning is witchcraft.”
Sarah M.
Frequent Traveler
“My roommates and I split everything from groceries to utilities. The settle optimizer reduced our monthly transfers from 8 payments to 2. Game changer.”
Jake L.
Roommate Coordinator
“The receipt scanner is incredibly accurate. It caught a mistake the waiter made that I would have missed. Paid for the app in its first use.”
Tom B.
Startup Founder
“Multi-currency support is perfect for our international friend group. No more converting in my head or using three different apps.”
Priya K.
Graduate Student
“Organized a 25-person bachelor party with PayMates. What would've been a nightmare was handled in 10 minutes. Everyone got paid back within the day.”
Marcus R.
Event Organizer
“The web link feature is brilliant. My friends who aren't on the app can still see what they owe. No more chasing people down.”
Anya S.
Digital Nomad
Pricing
Simple, transparent pricing.
Free
Forever free, no credit card needed
- 10 normal bills/day
- 2 AI receipt scans/day
- Basic expense splitting
- Standard settle optimizer
- 30-day history
Pro
Billed monthly, cancel anytime
- Unlimited group members
- 10 AI receipt scans/day
- 176 currencies with live exchange rates
- Advanced settle optimizer
- Analytics & spending insights
- Unlimited history + export
- Ad-free experience
- Priority support