Lend money to a friend.
Get paid back.
Turn a casual IOU into an agreement you both sign — then let SharePay track it until it's settled. No spreadsheets, no awkward reminders.
What you can do with SharePay
Promises are live now. Splitting bills with a group is coming next.
Promises — Live Today
A signed, audit-trailed promise to pay. Track loans between friends without the awkward chasing.
Expense Splitting
Coming SoonSplit bills and expenses with friends, family, or roommates. No more mental maths.
Secure & Private
Encrypted storage, a timestamped audit trail on every promise, and Open Banking auto-confirmation on the way. Your data stays yours.
How a Promise Works
Three steps to a paper trail for any IOU between friends.
Create a Promise
Set the amount, the due date, and who's borrowing. Both sides sign before anything's binding.
Share & Sign
Lender invites the borrower by email or phone. The borrower reads the agreement, signs, and a contract PDF lands in both inboxes.
Mark Paid & Confirm
When the borrower transfers the money, they tap Mark as Paid. The lender confirms — or, soon, our Open Banking integration auto-confirms when the transfer lands.
Why a promise gets paid back
A spoken "I'll get you back" has nothing behind it. A SharePay promise does.
Both sides sign
Nothing is binding until the borrower reads the agreement and signs it. No room for "I never agreed to that".
Every step is timestamped
Created, signed, paid, confirmed — each action is logged with a date. You both work from the same record.
Free to create and sign
Making a promise and signing one costs nothing. Setting up an account takes about a minute.
Want updates on Splits and what's next?
We're shipping regularly. Drop your email and we'll let you know when Splits goes live and as bigger features land.
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Make your next IOU a real agreement
Free to create, free to sign — no card needed.