Start free with your Trust Profile. Protect a one-time payment, manage ongoing financial relationships, or unlock the full Trust ID experience with PayToOwe Plus.
Build your financial reputation — for free.
Create your Trust Profile, receive agreements, and begin building verified financial credibility.
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.
Perfect for ongoing payments.
Ideal for landlords, roommates, coaches, memberships, contractors, freelancers, subscriptions, and recurring invoices.
Unlock the full Trust ID experience.
Everything in Recurring plus premium Trust ID tools, AI insights, and advanced reputation features.
How fees work: the agreement creator pays once when starting a one-time agreement, or subscribes for unlimited recurring agreements. The other party never pays. Plus unlocks unlimited everything plus the premium Trust ID experience.
| Feature | FreeFree | Pay Per Agreement$3.99 | Recurring$5.99 | PayToOwe Plus$9.99 |
|---|---|---|---|---|
| Trust Profile | ||||
| One-Time Agreements | Unlimited | Unlimited | Unlimited | |
| Recurring Agreements | Unlimited | Unlimited | ||
| AutoPay | ||||
| Payment Scheduling | View only | |||
| Relationship Health | ||||
| Trust Score Growth | Basic | Standard | Accelerated | Accelerated |
| AI Trust Intelligence | ||||
| Trust ID Wallet | ||||
| Public Trust Profile | ||||
| QR Verification | ||||
| Apple Wallet Pass | ||||
| PDF Exports | 1 per agreement | Unlimited | Unlimited | |
| Advanced Analytics | Payments | Full reputation | ||
| Priority Support |