Spend. Split. Settled.

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 without chasing anyone.

Download on theApp Store See how it works

Free for iPhone · Payments powered by Stripe

CoPAY home screen showing balances: you're owed €1,109.79 with recent group activity

— WHAT YOU GET —

Take the hassle out of
splitting expenses

An itemized CoPAY expense, Dinner at Luca, $142.50 with line items assigned to four friends
01

Split by line item

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.

  • EQUAL right down the middle
  • AMOUNT exact figures, your call
  • LINE ITEM receipt-level precision
A CoPAY group, Lisbon Long Weekend, with open expenses and a flow chart of who owes who
02

Groups that do the math

Trips, flats, teams — pool expenses in a group and watch CoPAY untangle the spaghetti. One glance shows who owes who; one tap settles the whole group with the fewest possible payments.

  • Minimal-transfer settle up
  • Submit open expenses together
  • Invite by phone or email — no app required to pay
The CoPAY expenses list with statuses like awaiting payment
03

Every balance, one glance

Dollars, euros, pounds — balances stay separate and correct, with live FX conversion when you want one number. Statuses update the moment a friend pays, so nothing slips through.

  • Multi-currency, done right
  • Awaiting / settled at a glance
  • Push notifications when money moves

— HOW IT WORKS —

Four steps.
Zero awkward math.

COPAY · SHARED EXPENSES
EST. NEW YORK

ORDER #0001 — ANY NIGHT OUT

  1. 01

    Scan 2 sec

    Snap the receipt. CoPAY's AI itemizes every dish, drink and surcharge — you don't type a thing.

  2. 02

    Split your way

    Assign items to friends, go equal, or set exact amounts. Tax and tip are apportioned fairly, automatically.

  3. 03

    Send via Stripe

    Payment requests go out through Stripe's network. Friends pay in a tap — even without the app.

  4. 04

    Settle $ → you

    Watch payments land in real time, then withdraw to Venmo, PayPal, or straight to your bank.

SUBTOTAL
4 quick steps
SERVICE FEE
$0.00
AWKWARD MATH
VOIDED
TOTAL
Everyone square

*** THANK YOU FOR SPLITTING WITH COPAY ***

— SECURITY & PAYMENTS —

Built like a finance app.
Because it is one.

CoPAY moves real money, so it's held to bank standards — from how your data is stored to how a payment finds its way to your account.

  • Encrypted end to end

    Your financial data is protected with advanced encryption, in transit and at rest.

  • Face ID sign-in

    Biometric authentication keeps your account yours — no passwords to leak.

  • Payments by Stripe

    Requests and payments run on Stripe's PCI-compliant network. Friends can pay without the app.

  • Withdraw anywhere

    Move collected funds to Venmo, PayPal, or straight to your bank account.

CoPAY home balances in dark mode

— SAY HELLO —

Questions, ideas,
feature requests?

We read everything. Whether something's broken, brilliant, or missing — drop us a note and we'll get back to you.

info@copay.digital

SPAM ………………………… $0.00
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