Paysend vs Settle Up
Paysend
paysend.com
Settle Up
settleup.ioSide by side
| Figure | Paysend | Settle Up |
|---|---|---|
| Price from | — | Free |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| macOS | — | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | Yes |
| Plans published | 3 | 12 |
| Spec score · Peer-to-Peer Payment Apps | 8.5 (#7) | 9.0 (#1) |
| API authentication | API clients authenticate with inbound and outbound API keys plus digitally signed requests. | Most API requests require Firebase Authentication; live API keys are issued after developer registration and review. |
| Headquarters | Edinburgh, Scotland, United Kingdom | Casper, Wyoming, United States |
| Rating on Apple App Store | 4.8 out of 5 from 175,000 reviews | 4.8 out of 5 from 1.8K reviews |
| Rating on Google Play | 4.1 out of 5 from 185,000 reviews | 4.7 out of 5 from 50.5K reviews |
| What it does | Paysend sends international transfers from a phone or web account to cards, bank accounts, digital wallets and, where available, cash pickup. | Settle Up records shared group expenses and IOUs for travelers, flatmates, couples, event organizers and friends. |
Plans
Paysend
- Personal international transfer$1.99, paid once
- Enterprise Payout APIPriced on request
- International money transfersPrice not published
Settle Up
- PremiumPrice not published
- FreeFree
- FreeFree
- Monthly Premium$3.99 a month
- Group Premium for 1 week$5.99, paid once
- Group Premium for 2 weeks$9.99, paid once
- Group Premium for 1 month$14.99 a month
- Yearly Premium$19.99 a year
- Group Premium for 2 months$29.99, paid once
- Group Premium$39.99, paid once
In their own words
Settle Up
Settle Up tracks shared expenses and IOUs, showing groups who should pay next while reducing the number of transactions needed to settle debts. It is intended for travelers, flatmates, couples, event organizers, and groups of friends. Expenses can use unequal weighted shares, multiple payers, incomes, and itemized bills. The app works offline and syncs when internet access returns. It supports all currencies with real-time exchange rates, and groups can be shared by link or QR code. Free capabilities include transaction filters and statistics, CSV export by email, read-only access, backup and synchronization, widgets, and shortcuts. Premium adds ad-free use, receipt photos, expense categories, recurring transactions, Excel export, and group colour choices. Monthly Premium costs $3.99 a month, and Yearly Premium costs $19.99 a year. Group Premium prices include $5.99, paid once for one week, $14.99 a month, and $39.99 a year. The listed platforms are Android, iOS, web, and Windows.