PayPact: Split Expenses

PayPact makes shared money feel quiet. Add what you spent, see who owes whom, and settle up in a few taps — no spreadsheets, no awkward reminders.

SPLIT ANYTHING, ANY WAY
• Equal, exact amounts, percentages or shares
• Back-date expenses, add notes and receipt photos
• Scan a receipt on your phone to pre-fill the amount, description and date (the scan happens on your device)
• Repeat rent, Wi-Fi or subscriptions weekly or monthly
• Foreign-currency expenses with the exchange rate saved at the time
• Custom categories for each group

SEE WHO OWES WHOM
• Live balances for every group and across all of them
• Smart debt simplification: the fewest payments that square everyone up
• Comments and an edit history on every expense
• Undo a delete before it's final

SETTLE UP YOUR WAY
• Record cash or bank-transfer payments in one tap
• Pay a friend through your own UPI app for ₹ groups — PayPact opens your UPI app with the amount filled in
• Show your personal UPI QR so friends can pay you in person
• Every settlement gets a receipt, and payments can be reversed by the person who was paid

GROUPS THAT RUN THEMSELVES
• Trips, flats, couples, friends — each with its own members and roles
• Invite with a link or QR code
• Admins manage members; nobody can leave with an unsettled balance by accident

STAY ON TOP OF IT
• An activity timeline of every expense and payment
• Insights: spending over time and where the money went
• A quiet in-app inbox, with notifications for new expenses, payments and an optional weekly digest — each one can be switched off
• Search across groups, expenses and people

YOURS TO CONTROL
• App Lock with fingerprint or face unlock
• Export your data as CSV or JSON
• Delete your account from Settings whenever you like
• Crash reports can be turned off, and usage analytics are off unless you opt in
• No ads. We don't sell your data.
• Available in English and Hindi

PayPact never handles your money: payments happen in your own UPI or banking app, and PayPact keeps the record. We never see card numbers, bank passwords or UPI PINs.

Questions or feedback? Reach us from the support contact on this page.