Pay Together With Zero Hassle
Instapay lets groups split and pay at checkout — no reminders, no delays, no hassle.
Thank you for your support!
One solution to replace them all
Splitwise, Venmo, Zelle, Excel Sheets...
THE INSTAPAY ADVANTAGE
Designed for How Groups Actually Pay
Instapay isn’t just another payment app — it’s built to remove the real-world hassle of splitting costs in the moment, with no math, no reminders, and no delays.
01
No Payback Reminders
Everyone pays their share at the time of purchase — no awkward texts, no forgetting, and no need to remind anyone later.
02
No Random Mental Math
Instapay calculates the exact split automatically — including tax, tip, and discounts — so you never have to guess who owes what.
03
Real Time Split Payments
Each person is charged their portion instantly at checkout, so everything is fully settled before the payment is even made by your group.
04
Bank Level Security
Transactions are processed through FDIC-insured, government-registered banks using trusted industry-standard compliance protocols.
No top-ups
Just link your bank
Pay only your share
Doordash
now
🍔 Your share $12.69 deducted
💵 $35.78 bill paid
GETTING STARTED
Group Payments in Four Easy Steps
No learning curve, no setup headaches. Instapay works right out of the box — just link your bank, set the split, and you’re ready to pay together.
01
Connect Your Existing Bank Account
Securely link any U.S. checking account in seconds — no top-ups, no new wallets. Instapay works with the money you already have.
02
Create a Group and Invite Anyone
Start a group for any shared expense — dinner, travel, rent, or shopping. Add anyone, set the split however you like, and you’re ready to go.
03
Add Your Card to a Digital Wallet
Instapay gives every group member a virtual card you can use with Apple Pay, Google Pay, or any other digital wallet to use for contactless payments.
04
Pay Together Wherever You Spend
Use Instapay online or in person — at restaurants, stores, or anywhere you spend together. Everyone gets charged their share instantly.
DESIGNED FOR ACCOUNTABILITY
You're Always In Control
Choose and Approve Your Split Ratio
You’ll never be charged until everyone reviews and approves the split.
Specify Your Own Spending Limit
Your daily spending cap is applied automatically across all groups.
Keep Track of Your Expenses
View past payments, group activity, and your share in one place.
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How do instant shared payments work?Instapay creates a temporary virtual card for your group to use at checkout. When the payment is made, each member is charged their approved portion directly from their own bank account.
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Does everyone in the group need an Instapay account?Yes, to split a payment with Instapay, everyone in the group needs to download the app, create an account, and link their own U.S. checking account. It’s a quick one-time setup that takes just a few minutes.
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Do I need to preload money or top up a balance?Nope. Just connect your existing U.S. checking account. Instapay charges only your approved share when the payment happens — no preloading, no holding funds.
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Do other people in my group have access to my bank account?No, other group members can’t see or access your bank account. You set your own spending limit and approve what percentage you’re responsible for in groups. Instapay only charges your account based on those settings — never more, never without your permission.
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How much does Instapay cost?Instapay is free for everyday use. You can use Instapay to split group payments with no fees. If we add optional premium features in the future, we’ll be clear and upfront about the pricing.