Family & Friends
Lend Without Losing the Friendship
Make the loan official, set clear expectations, and let the system handle the awkward reminders so you never have to.
Trust Snapshot
- Trust Points
- +15
- On-Time
- 100%
- Agreement
- Verified
Money you lend or borrow,
in writing.
Every repayment becomes a reputation you own — proof that you keep your word, with the people and businesses you already pay.
- Free to create
- No credit bureau
- Works with any payment app
- Private until you share it
Your profile is free, forever. You only pay $3.99 when you write up a new agreement — receiving, signing, and tracking never cost anything.
4.9 · Trusted by 12,400+ members
Everyone starts at 50. Your reputation grows with every kept promise — this is two years in.
Experience It
Stop Reading. Start Using PayToOwe.
Step inside a live demo account. Click anything. Receive a payment. Watch your Trust Score and Relationship Health update in real time.
Or preview the lifecycle below
Interactive Product Demo
How PayToOwe Builds Trust
Money moves through the apps you already use. Trust is built here — from the agreement, through repayment, into a reputation that compounds.
Step 1 of 6 · Create
How do I create an agreement?
New Agreement
DraftBorrowerMaya Rivera
Amount$1,200.00
Due DateSep 15, 2026
Schedule6 × $200 / monthly
ProtectionProtected
AutoPayEnabled
Trust Impact Preview
+12pts on completion
Projected score: 74 → 86
ProtectedAutoPay
Every agreement creates accountability.
The Trust Ecosystem
Every successful agreement compounds.
Trust Score
86
Trust Network
24
Protected Agreements
7
Trust History
12
Trust Intelligence
Top 40%
Lending Power
$8.4k
Network Value
$24.1k
Milestones
5
Agreement
Repayment
Trust Score
Trust Network
Lending Power
Works With Your Payment Apps
We're the trust layer — not a payment replacement.
Keep using the apps you already love. PayToOwe sits on top — adding documentation, verification, and reputation to every transaction.
Venmo
Cash App
ZelleACHACH
Stripe
Apple PayDocument
Agreement before the money moves.
Verify
Repayment confirmed on both sides.
Reputation
Every payment builds your reputation.
Who It's For
Built for every relationship involving money.
Wherever money moves between people, PayToOwe adds the trust that keeps it safe.
Landlords
Collect Rent. Build a Tenant Record.
Every on-time rent payment is documented, verified, and added to your tenant's reputation — and yours as a landlord.
Trust Snapshot
- Lease Schedule
- Active
- Tenants Tracked
- 12
- On-Time
- 99%
Tenants
Pay Rent, Build Your Reputation
Turn 12 months of rent into verified proof you can show the next landlord — no credit bureau, no chasing references.
Trust Snapshot
- Trust Points
- +22
- On-Time
- 98%
- Rent Verified
- 12 mo
Roommates
Split Bills Without the Drama
End the monthly group chat about who owes what. Documented splits protect the friendship and keep everyone honest.
Trust Snapshot
- Trust Points
- +12
- On-Time
- 96%
- Roommates Linked
- 4
Contractors
Get Paid for Work You Complete
Signed scope, milestone payments, verified completion. Stop chasing invoices and start building a client reputation.
Trust Snapshot
- Milestones Verified
- 100%
- Collected On Time
- $48k
- Clients
- 16
Clients & Small Business
Get Invoices Paid On Time
Recurring invoices, automated repayment, and a documented client history — fewer follow-ups, stronger relationships.
Trust Snapshot
- Schedule Running
- Active
- On-Time
- 97%
- Clients
- 22
Vehicle & Installment Plans
Sell on a Payment Plan, Safely
Sell a car, couch, or equipment over time with documented agreements, scheduled payments, and verified repayment history.
Trust Snapshot
- Trust Points
- +18
- On-Time
- 98%
- Agreement
- Verified
Coaches & Memberships
Recurring Services, Simplified
Coaching, tutoring, consulting, memberships — keep clients accountable with automated schedules and verified payment history.
Trust Snapshot
- Payment Schedule
- Active
- Clients
- 24
- On-Time
- 97%
Example
Everyone starts at 50.
Your reputation grows with every kept promise. Here is what two years of paying people back on time looks like.
Real Scenarios
Real people. Real money. Real reputation.
"13 months of on-time rent, all documented. When my tenant applied for her next place, her landlord verified everything in seconds."
13 months · 1 lease · $24,000 documented · Trust 89
Marcus Reyes
Landlord · Austin, TX
89
Trust
"We've shared rent for two years without a single argument about who paid what. The schedule does it for us — and our reputations grew together."
24 months · 24 / 24 on-time · $18,600 split · Trust 92
Priya Shah
Roommate · Brooklyn, NY
92
Trust
"Milestone payments, verified completion, signed scope. My clients pay faster and I have a documented history for every project."
18 projects · 100% verified · $112,400 paid · Trust 91
Andre Williams
Contractor · Denver, CO
91
Trust
Built to Be Trusted
The security behind the reputation.
Reputation only matters if it can be trusted. PayToOwe is built with the same standards you'd expect from your bank.
Bank-grade encryption
End-to-end TLS and encrypted storage for every agreement and payment record.
Verified identity
Government ID verification ensures every Trust ID belongs to a real person.
Bank verification
Connected accounts confirm where the money came from — and where it's going.
Secure payment processing
Powered by trusted payment rails with PCI-compliant infrastructure.
Immutable activity timeline
Every signature, payment, and verification is permanently recorded.
Shareable Trust Profile
You own your reputation — share it with landlords, lenders, or partners on demand.
Trust ID Membership
One platform. Four ways to build trust.
Receiving, signing, and tracking are always free. You only pay when you create an agreement — once, or monthly if you create them regularly.
Start here
Free
$0/ forever
Build your reputation — for free.
Create your profile, receive and sign agreements, and start building a reputation you own.
- Your reputation profile
- Receive & sign agreements
- View payment schedules
- Relationship health
- Activity timeline
- Friend network
Most Popular
One-time
Pay Per Agreement
$3.99/ per agreement
Perfect for one-time loans and purchases.
Only pay when you create an agreement. Great for personal loans, marketplace sales, and one-time payment protection.
- Everything in Free
- Unlimited one-time agreements
- Secure e-signatures
- Payment reminders
- Audit PDF
- Loan completion certificate
Best for Ongoing Payments
Ongoing
Recurring
$5.99/ per month
Perfect for ongoing payments.
Ideal for landlords, roommates, coaches, memberships, contractors, freelancers, and subscriptions.
- Everything in Free
- Unlimited recurring agreements
- Weekly, bi-weekly, monthly & custom billing
- AutoPay support
- Relationship Health growth
- Payment analytics
Premium Membership
Premium
PayToOwe Plus
$9.99/ per month
Unlock the full Trust ID experience.
Everything in Recurring plus premium Trust ID tools, AI insights, and advanced reputation features.
- Everything in Recurring
- Trust ID Wallet (Apple & Google)
- Public Trust ID Profile
- QR Verification
- AI Trust Intelligence
- Unlimited audit PDF exports
The agreement creator pays once for one-time agreements, or subscribes for unlimited recurring agreements. The other party never pays.
Your reputation should be worth more than a promise.
Create your free profile and start turning everyday repayments into a reputation that follows you into every future agreement.