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CoPAY takes the hassle out of shared expenses. Scan the receipt, split it your way — by item, by amount, or right down the middle — and settle up in seconds, with no fees and no chasing.
Free on iPhone and Android · Instant settle with no fees
— WHAT YOU GET —
Snap the receipt and CoPAY's AI reads every line. Burrata for two, pasta for one, the wine for the table — assign items to people and everyone pays for exactly what they had. Tax and tip are shared out in proportion, automatically.
Trips, flats, teams — add expenses to a group whenever they happen and CoPAY keeps a running balance for everyone. It untangles the spaghetti into a simple set of payments, so one glance shows who owes who and one tap starts settling up.
Turn on instant settle and pay friends back in seconds, with no fee. CoPAY sets up your wallet from the account you already have — nothing else to sign up for. Paid in cash or another app instead? Mark it as paid and everyone's balance updates.
Tap anyone to see everything you share — group expenses, one-to-one bills and payments — in one ledger. Dollars and euros stay separate and correct, recurring bills add themselves, and a one-tap reminder nudges anyone who's slow to pay.
— HOW IT WORKS —
COPAY · SHARED EXPENSES
EST. NEW YORK
Snap the receipt. CoPAY's AI itemizes every dish, drink and surcharge — you don't type a thing.
Assign items to friends, go equal, or use exact amounts, percentages or shares. Tax and tip are apportioned fairly, automatically.
Everyone sees what they owe the moment it's added. Groups keep a running balance and boil it down to a few simple payments.
Pay back instantly with no fee, or mark cash and other payments as paid — in full or in part.
*** THANK YOU FOR SPLITTING WITH COPAY ***
— SECURITY & PAYMENTS —
CoPAY keeps track of real money between real friends, so it's built to the standards of one — from how you sign in to how a payment gets recorded.
Instant settle pays from a self-custody wallet made from your CoPAY sign-in, powered by Coinbase Developer Platform — the money goes straight from you to your friend.
Every instant payment is checked on-chain before it's recorded, so a balance only clears once the money has really moved.
Payments settle one-for-one in USDC and EURC on Base, and CoPAY covers the network fee.
Use Apple, Google, Microsoft or your phone number — no new password to remember or leak.
— SAY HELLO —
We read everything. Whether something's broken, brilliant, or missing — drop us a note and we'll get back to you.
info@copay.digital