PicPay vs Splitwise
PicPay
picpay.comSplitwise
splitwise.comSide by side
| Figure | PicPay | Splitwise |
|---|---|---|
| Price from | Free | Free |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | — | Yes |
| Plans published | 2 | 8 |
| Spec score · Peer-to-Peer Payment Apps | 8.1 (#11) | 8.8 (#3) |
| Founded | 2012 | 2011 |
| Free plan | Yes | Yes |
| Headquarters | São Paulo, Brazil | Providence, Rhode Island, USA |
| Security | The account page lists Seguro Mode, hidden balances and investments, device passcode access, geolocation and identity validation as security features. | Splitwise says it uses technical and administrative security measures, including encryption techniques and authentication procedures, to protect online sessions. |
| Support | PicPay directs customers to its online Help Center for questions and customer support. | Splitwise lists email support and says it aims to reply to most support requests within one business day. |
| What it does | PicPay describes itself as a financial ecosystem offering accounts, payments, credit, investments, insurance and cards for individuals and businesses. | Splitwise is a Providence-based service for recording shared bills and IOUs so participants can see who owes whom. |
Plans
Splitwise
- Individual + Trip PassPrice not published
- Duo + Trip PassPrice not published
- Monthly subscriptionPrice not published
- FreeFree
- FreeFree
- Splitwise Pro monthly$4.99 a month
- Splitwise Pro annual$39.99 a year
- Splitwise ProPriced on request
In their own words
PicPay
PicPay is a financial service for individuals and businesses, offering accounts, payments, credit, investments, insurance, and cards. It is available on Android, iOS, and the web, and transfers are instant, trackable, and schedulable. For consumers, account features include scheduled Pix, Pix by WhatsApp, and contactless Pix using Google Pay. Users can split Pix and boleto payments into up to 12 installments on any card, or up to 36 installments with PicPay Parcela. Its debit and credit card is managed in the app and advertised without an annual fee. PicPay says account balances earn 102% of CDI on business days and offers Cofrinhos for savings goals. PicPay Empresas provides a card reader, payment links, PicPay Tap, and boleto payment options. Its Smart device combines order management, inventory control, and payment acceptance. The listed consumer and business accounts are free. PicPay directs customers to its online Help Center for questions and support.
Splitwise
Splitwise organizes shared expenses and IOUs for friends, families, housemates, and trip groups. Users can divide costs equally or unequally, including by percentage or shares, while the service calculates balances and can simplify debts among group members. It includes recurring expenses, offline mode, and cloud sync, and lists support for more than 100 currencies. Pro adds currency conversion using current foreign exchange rates, receipt scanning, itemization, charts, graphs, and expense search. Users can record cash or online payments; Splitwise Pay supports sending payments to friends in the United States. Pro transaction import connects a credit or debit card to show recent purchases for splitting, a feature currently available only in the US. Splitwise is available on Android, iOS, and the web, and offers an API for authorized third-party access. Expense details are visible to the friends or group members they are shared with. The free plan costs nothing and includes unlimited expenses, groups, friends, and balances. Splitwise says its expense and payment records are informal and not legally binding.