Pay Together With Zero Hassle
Instapay lets groups split and pay at checkout — no reminders, no delays, no hassle.
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.
