# PayUp Messages — Track money owed, quick & easy

> Track money owed, quick & easy (iPhone/iPad app by Benjamin Nau.)

- Source: https://appshunter.io/ios/app/payup-messages/id6764159262 (this page in markdown: same URL + `.md`)
- Developer: [Benjamin Nau](https://appshunter.io/developer/1789833143)
- Category: Finance, Social Networking
- Price: $0.99
- Age rating: 4+
- Requires: iOS 15.6 · 1 MB
- Languages: American English
- Released: 2026-05-06
- Data updated: 2026-05-17
- User reviews in markdown: https://appshunter.io/ios/app/payup-messages/id6764159262/reviews.md

## What is PayUp Messages?

PayUp is the simplest way to keep track of who owes whom, right inside iMessage. Send a quick "you owe me $10" or "I paid you $20" in any conversation, and both sides stay perfectly in sync.

WHY PAYUP?
Splitting dinner, lending a $20, covering tickets. Money moves between friends all the time, and "didn't I pay you back already?" gets old fast. PayUp gives both of you a private shared ledger that lives right in your Messages thread.

HOW IT WORKS
• Open the PayUp app from the Messages drawer
• Set your names (only takes a second; you can update them anytime)
• Tap a preset amount or enter a custom one
• Hit Send to make it real
• The other person taps the message to agree or disagree
• The ledger updates on both phones instantly

THREE QUICK ACTIONS
PAY. Money you sent. If you owe them, it's a payback. Otherwise they'll owe you.
RECEIVE. Money you got. Tap "Balance" to clear what they owe you in one shot.
REQUEST. Ask them for money. They tap to agree, which creates a debt they owe you.

PLUS THE LEDGER
A persistent button at the bottom of the screen opens the shared ledger: running balance, pending claims, and full history with names and dates.

PRIVACY-FIRST
PayUp stores everything locally on your device. No accounts. No servers. No tracking. Your ledger is yours.

PERFECT FOR
• Roommates splitting bills
• Couples sharing expenses
• Friends covering each other for dinner, drinks, and tickets
• Parents and kids tracking allowance or loans
• Anyone who's tired of "I'll Venmo you" and then forgetting

HONEST TO THE PENNY
Every transaction shows up in chat with the amount and a tap-to-respond message. The other side can agree or disagree, and the ledger respects what both of you confirmed. No surprises.

Get PayUp and never wonder "wait, am I square with them?" again.


## Version history (last 1 release)

### 1.0 — 2026-05-06

No release notes.

## More apps by Benjamin Nau

- [Phideo.app](https://appshunter.io/ios/app/phideoapp/id6740413099)

All apps by Benjamin Nau: https://appshunter.io/developer/1789833143

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-05-17.*