Set clear terms
Define the details so everyone knows what to expect.
Features Agreements
Clear agreements
for real life.
Put it in writing, set the terms, and keep everyone on the same page — all in one place.
Join people, businesses and landlords already using PayToOwe.
Track progress
See payments, upcoming dates and remaining balances.
Stay aligned
Built-in messages and file sharing keep everyone on the same page.
Build trust
Completed agreements help improve your Reputation.
Create an agreement in minutes.
A simple, guided process from start to finish — with help from NEX.
- 1CreateChoose the type, add the details and set the terms.
- 2ShareSend it to the other person to review and accept.
- 3TrackMake or request payments and see real-time progress.
- 4CompleteOnce it's done, it's saved to your history and can help your Reputation.
Popular agreement types
Borrow or Lend MoneySet a repayment schedule.
Rent PaymentsTrack monthly rent.
Services & ProjectsAgree on work and payments.
BookingsConfirm appointments.
Anything ElseKeep it clear and in writing.
Agreements for every part of your life.
Friends & FamilyLoans, shared expenses, car payments and more.
BusinessesInvoices, services, projects and customer payments.
LandlordsRent, leases, repairs and property services.
BookingsAppointments, deposits and scheduled services.
Hi, I'm NEX 👋I'll help you create a clear agreement and keep everyone on the same page.
Less confusion. Stronger relationships.
Create clear agreements and build trust — with help from NEX.
- Create agreements in minutes
- Track real payments and progress
- Built-in messages and files
- Works for individuals, businesses and landlords
- Helps build your Reputation