All your people
in one place.

Keep track of the people in your life, your customers and your tenants — and everything you do together, all in PayToOwe.

Join people, businesses and landlords already using PayToOwe.

Group people as friends, family, customers or tenants.

Message, share files and keep everything in one conversation.

View agreements, payments, bookings and history with each person.

See reputation and Trust Check (when shared) so you can work together with confidence.

More than just a contact.

Every person has their own secure profile where you can:

View agreementsSee what you've agreed on and what's outstanding.

Track paymentsSee what's been paid and what's coming up.

Message and shareKeep conversations, files and updates in one place.

See reputationView reputation and Trust Check (when shared) to build stronger relationships.

FriendsSplit bills, make plans and keep everything organized.

CustomersManage clients, invoices and bookings in one place.

FamilyHandle shared expenses and commitments easily.

TenantsKeep track of leases, rent and repairs with ease.

Hi, I'm NEX 👋I help you keep track of your people.

From friends and family to customers and tenants, PayToOwe helps you stay organized, communicate clearly and build trust — all in one place.