Features Payments

Pay your way.
Keep everything organized.

Send, receive, schedule and track payments — even when you pay outside PayToOwe.

Get Started Free See it in action

Join people, businesses and landlords already using PayToOwe.

Pay your way

Pay through PayToOwe or record payments made with Cash App, Zelle, bank, card and more.

Stay on track

Schedule payments and use AutoRepay for recurring obligations.

Keep a complete record

Every payment is connected to the right person, agreement and history.

Build trust

Verified payment behavior helps improve your Reputation.

Pay however works for you.

Pay through PayToOwe when supported. Paid another way? Record it here so your payment history stays organized.

PayToOwePay through the app

Cash AppPay externally, record here

ZellePay externally, record here

Bank transferPay externally, record here

CardPay through PayToOwe

OtherCash, check, etc.

Set it once. Stay on track.

Use AutoRepay to automatically handle recurring payments with your existing payment setup.

Automatic paymentsNever miss a payment.

Flexible scheduleChoose the date and frequency.

Use your existing setupBank account or card.

Stay in controlPause or cancel anytime.

Plan payments before they're due.

See upcoming payments and stay ahead.

Need to be paid? Send a request.

Request money for rent, services, or anything else.

Every payment has a story.

Each payment is connected to the people, agreements and your Reputation.

AgreementRent Agreement · Created · Jan 1, 2025

Payment$1,850 · Sep 1, 2025 · Paid

RecordReceipt and details saved

Relationship HistoryAll payments in one place

ReputationOn-time payments help improve your Reputation.

Money can move anywhere.
Your record stays here.

Paid someone another way? Record the payment in PayToOwe so you can keep your history organized.

Cash App Zelle Bank Cash Other

Payments for every part of your life.

Friends & FamilySplit expenses, pay back friends and keep history.

BusinessesInvoices, bookings and customer payments.

LandlordsTrack rent, recurring payments and history.

Everyday PaymentsCars, travel, utilities and more.

Hi, I'm NEXI can help you track payments, set up AutoRepay, record external payments and more.

However you pay, keep it organized.

Payments, AutoRepay, agreements and payment history — all connected in PayToOwe.