Money
without
drama
We believe keeping track of debts between friends, clients, customers
shouldn't be awkward. Just simple, honest, and clear.
Born from a simple frustration
Money matters shouldn't complicate relationships
We've all been there. You split a dinner bill with friends, cover someone's taxi fare, or lend a colleague money for lunch. Then comes the uncomfortable part—remembering who owes what, sending those awkward reminder texts, and hoping everyone settles up without making things weird.
That's why we built Settle. We wanted a straightforward way to track money between friends, family, clients and customers without the hassle of spreadsheets, mental math, or uncomfortable conversations. Whether it's splitting bills, managing group expenses, or just keeping tabs on small debts, Settle makes it effortless.
Our platform works with the payment methods you already use—from mobile money apps like OPay and PalmPay to bank USSD codes and international options like Venmo and Cash App. We're not trying to be another payment processor. We're just here to help you keep track of who owes what, send polite reminders, and make settling debts as painless as possible.
Why you should use settle
Settle isn't just another finance app. It's built for real friendships and the messy reality of shared expenses. Here's what makes us different from the rest.
Works with your payment apps
Support for 25+ payment methods worldwide—OPay, PalmPay, Cash App, Venmo, UPI, bank transfers, and more. No need to create yet another wallet or download a new payment app. Use what you already have.
AI-powered smart splitting
Upload a receipt and let our AI figure out who owes what. Fair splits in seconds, not minutes of mental math. Perfect for group dinners, road trips, or shared household expenses.
Friendly reminders, not nagging
Send gentle payment reminders without the awkwardness. You can even generate AI-crafted messages that strike the right tone—polite, clear, and drama-free. Because asking for your money back shouldn't feel uncomfortable.
Track everything in one place
See who owes you, who you owe, and every shared expense in a clean dashboard. No more digging through old chat messages or trying to remember if Sarah paid you back for concert tickets. Everything's organized and up-to-date.
Privacy and security first
Your financial information stays yours. We don't handle payments directly—you settle up through your chosen payment method. We just keep track, send reminders, and make sure everyone's on the same page. Simple, secure, transparent.
25+ Payment Methods
Mission & Vision
Our mission is simple: make splitting bills and tracking debts between friends as effortless as sending a text. We believe money conversations shouldn't create tension or awkwardness in relationships. With Settle, you can share expenses, split bills fairly, and get paid back using the payment apps your friends already have—whether that's OPay, Cash App, UPI, or good old bank transfer. No pressure, no drama, just clarity.
We envision a world where friends can focus on making memories, not keeping tabs. Where splitting the dinner bill or remembering who paid for the cab doesn't require spreadsheets or awkward follow-ups. Our vision is to build trust in personal financial relationships by making them transparent and fair. We're creating a platform that respects how people already pay each other—working with your favorite payment apps instead of forcing you to adopt another one.
Frequently Asked
Questions
Got questions? We've got answers. Can't find what you're looking for? Contact our support team.