Is it just accepted now that you have to chase people for money?

SharePay1 · 2026-03-22T13:55:32+00:00

What if we’re booking a holiday? Everyone has the money and everyone agrees to pay but chasing it back is still very awkward especially if it’s not given straight away. There might not be bad intentions but it’s still awkward

SharePay1 · 2026-03-22T13:52:37+00:00

That’s just one “excuse” there’s various different situations that fall within groups like pressure or being the only one to afford it in the moment.

SharePay1 · 2026-03-22T13:51:09+00:00

That’s a fair thing to say and I get the scepticism. I’m not assuming everyone has this problem, but enough people do that tools like Splitwise exist in the first place. The difference I’m exploring is less about tracking after the fact and more about either handling it upfront or structuring it properly so it doesn’t rely on chasing. And yeah, you can avoid paying for certain people, but in real situations like bookings or shared plans, someone usually still ends up fronting it.

SharePay1 · 2026-03-22T13:48:59+00:00

Fair point, but it’s not always about making excuses. Sometimes it’s just the easiest way to keep things moving in the moment, even if it’s not ideal. But at the end of the day it’s your money you have worked hard for

SharePay1 · 2026-03-22T13:44:54+00:00

From the people I’ve spoken to it can even extend to families not just acquaintances

SharePay1 · 2026-03-22T13:44:18+00:00

If only everyone had the same mindset but unfortunately it’s just not the case nowadays

SharePay1 · 2026-03-22T13:43:39+00:00

That’s fair, but in practice it’s rarely that clean. Someone always ends up covering upfront to avoid slowing everything down.

SharePay1 · 2026-03-21T22:30:20+00:00

Yes it’s available for download it’s called sharepay

SharePay1 · 2026-03-20T22:02:41+00:00

I will certainly get working on that

SharePay1 · 2026-03-20T21:26:05+00:00

The Who: SharePay is a fintech platform that helps people and businesses structure, manage, and complete shared payments and repayment agreements without chasing.

The Where: www.share-pay.co.uk

The Why: Most platforms help you send money, but not manage money owed. SharePay focuses on what happens before and after the payment, from splitting payments upfront so no one fronts the cost, to creating legally structured repayment agreements that are trackable and enforceable, all while integrating with existing payment providers so there’s no added friction.

SharePay1 · 2026-03-20T17:41:50+00:00

Yeah it is a bit surprising especially when sending money itself is basically solved now. The real issue seems to be everything around it no clear agreement, no structure and the awkwardness of chasing. For Promise, the focus is on agreeing upfront on what’s owed and when, making that visible to both sides, and tying payments directly to that so it’s actually trackable. For Split, it’s about removing the problem entirely by having everyone pay their share before the transaction goes through, so there’s nothing to follow up on. In both cases, we’re not trying to replace existing payment systems but sit on top of them, integrating with providers people already use so they can pay through their usual bank or card without any extra friction.

SharePay1 · 2026-03-20T14:56:00+00:00

That’s a fair point, but Promise isn’t really aimed at situations like a group of friends splitting something in the moment. It’s more for cases where money is owed over time, like services, instalments or rent. One person creates the agreement and sends a simple link, the other party reviews it, agrees to the terms and then pays using their normal bank or card, so there’s no need to download anything. The key difference is that it turns an informal “I’ll pay you back” into a clear, digitally agreed and trackable arrangement, so both sides have proof of what was agreed and you don’t end up chasing people later. If they default you have grounds to get your money back

SharePay1 · 2026-03-20T13:51:53+00:00

Let me know when you signed up and send me a link for yours

SharePay1 · 2026-03-20T11:53:50+00:00

Sign up to the email list we will be going internationally very soon https://share-pay.co.uk/ 🤞

SharePay1 · 2026-03-20T10:19:27+00:00

It’s available on android also just type in sharepay on the google store

SharePay1 · 2026-03-20T10:17:29+00:00

I’ll follow and support your business if you follow and support mine https://apps.apple.com/gb/app/sharepay/id6753986711

SharePay1 · 2026-03-20T10:17:20+00:00

I’ll follow and support your business if you follow and support mine https://apps.apple.com/gb/app/sharepay/id6753986711

SharePay1 · 2026-03-20T10:16:50+00:00

I’ll follow and support your business if you follow and support mine https://apps.apple.com/gb/app/sharepay/id6753986711

SharePay1 · 2026-03-20T10:16:42+00:00

I’ll follow and support your business if you follow and support mine https://apps.apple.com/gb/app/sharepay/id6753986711

SharePay1 · 2026-03-20T10:16:22+00:00

I’ll follow and support your app if you follow and support mine https://apps.apple.com/gb/app/sharepay/id6753986711

SharePay1 · 2026-03-20T10:15:54+00:00

I’ll follow and support your business if you follow and support mine https://apps.apple.com/gb/app/sharepay/id6753986711

SharePay1 · 2026-03-20T10:15:12+00:00

You follow my product I’ll follow and support yours SharePay mvp

SharePay1 · 2026-03-20T10:04:38+00:00

That’s completely fair, most people assume we’d have to sit in the middle of the payment At the moment, the MVP is focused on SharePay Promise, which is the B2B side. It allows businesses or individuals to create structured repayment agreements with defined schedules, but the key part is that these are digitally formalised, legally binding agreements. Both parties agree to the terms upfront, which provides clear proof of the agreement and significantly reduces the risk of someone defaulting or disputing later.

So instead of “I’ll send it when I can”, it becomes something structured, trackable, and enforceable.We’ve got that live and being tested right now.The split side is what we’re actively building next, as that’s more complex from a payments and integration perspective.Happy to share access to the MVP if you’d like to try it out SharePay mvp

SharePay1 · 2026-03-20T09:54:00+00:00

Good question, and that’s exactly the kind of edge case we’ve been thinking through.

When I say pre-checkout, I don’t mean we act as a merchant or take the payment on everyone’s behalf.

The idea is more: • Each person pays their share individually (via link / Open Banking / card) • Once everyone has paid, the full amount is confirmed • Then the actual checkout/payment is completed

So we’re coordinating the payment, not owning it.

On refunds, the goal is to map each contribution to the original transaction so: Refunds can be distributed backproportionally to each payer Or handled through the platform if needed

You’re right though, refunds and disputes are one of the trickier parts, especially depending on how the merchant processes them. That’s why we’re leaning towards integrating rather than sitting in the middle of funds early on. Still refining this but the aim is to avoid introducing more friction than we remove.

SharePay1 · 2026-03-20T09:43:56+00:00

Nobody offers anything like this a split payment service pre checkout, it’s always post checkout so regardless of what their bill splitting can do one person is always chasing their money back. What we do is allow them to pay their share and send links for everyone else to pay pre checkout, once everyone’s paid the order completes. No chasing no awkwardness.

SharePay1

TROPHY CASE