Papara vs PayBack | Bill Splitter

Fast, simple, affordable and enjoyable financial services are on Papara! Download now, open your free account in seconds. Simply deposit money and start using instantly: make your payments, manage your budget, invest and save! JOIN OVER 23 MILLION PAPARA USERS → With Papara Card, spend worldwide and online without debt. → Earn instant Cashback as you spend. → Make money transfers cost-free 24/7. → Receive money to your account from all banks 24/7 with your Papara IBAN. → Simply pay your bills with Papara. Pay simply, track your monthly expenses with graphs! If you wish, place automatic payment orders and save time. → Top up your travel cards in seconds, 24/7. → Save money freely with a Savings Account. Set goals and track your progress. → Open Precious Metals Account and buy/sell gold, silver, and platinum 24/7. → Send money to over 100 countries within minutes. Receive transfers from abroad. → Chat with friends using the familiar messaging experience. → Split expenses and request money simply. → Deposit/withdraw cash from any ATM, make POS payments, and accept payments via QR. → Track your expenses with graphs, manage your budget. ENTER THE WORLD OF INVESTING WITH PAPARA INVEST → Swipe through Accounts section to view Investment Account, and open your account in seconds. → Even without opening Investment Account, you can monitor the stock market with real-time data, add stocks to your watchlist, and simply track market trends. → Buy/sell dollars at advantageous exchange rates, transfer money from your bank. → Even with just $1, become a shareholder of global giants like Apple, Tesla, Amazon, Microsoft, and Google. Invest in over 4.000 stocks listed on NASDAQ and NYSE. CHOOSE YOUR PAPARA CARD Pick the prepaid Papara Card that suits you best. → Papara Card: Choose one of five colors and request your free Papara Card instantly. Customize it with your own text, drawings, and icons. → Metal Card: Earn Cashback abroad with your personalized Metal Card made of 18 grams of stainless steel, available in three colors. → Sticker Card: Pop it out, stick it, make contactless payments in just one-step. No wallet needed! → Collection Card: Stand out with Batman Card, Joker Card, Harley Quinn Card, The Flash Card or Superman Card, inspired by DC Universe characters. → TS Card: Show your Trabzonspor passion everywhere. Enjoy fan privileges. → Voice Card: The world’s first audio card for the visually impaired—hear the amount and pay securely. → Virtual Card: Choose Mastercard, Visa, or TROY card scheme and create a Virtual Card, enjoy fast and secure online shopping. → Ghost Virtual Card: Eliminate risks completely with the single-use Ghost Card for online shopping. → Gift Card: Choose from hundreds of brands and send free Gift Cards to your loved ones. → Edu Card: The digital way to give an allowance. Track the student’s expenses in real time from your Papara account and send allowances 24/7 cost-free. EARN INSTANT CASH WITH PAPARA CASHBACK PROGRAM Spend at least 500 TL in total with your Papara Card across the current and previous calendar month, start earning instant cash at favorite brands monthly. Open your free account and verify it in just 3 minutes, and start experiencing the privileges of being a Papara user! PAPARA, NOT A BANK ------------------------------------------ Our contact numbers and e-mail address: www.papara.com 0850 340 0 340 destek@papara.com topluluk.papara.com Papara Elektronik Para A.Ş. (Central Registry Number: 0721043152900015) Papara is an electronic money and payment services organization authorized by the Banking Regulation and Supervision Agency (BRSA) in April 2016 and has been operating since then. Papara's commercial activities are strictly limited to the issuance of electronic money and fund transfers in accordance with Law No. 6493. Registered Address: Burhaniye Mah. Atilla Sok. No: 7-1, Üsküdar, Istanbul, Turkey, 34676

One person pays the whole bill. Everyone else scans a QR code and instantly sees what they owe. That's PayBack. No sign-up, no card details, no money moving through anyone. Just a shared, live view of who has paid and who hasn't — for the table you're sitting at right now. HOW IT WORKS • Type the total and how many people are splitting it. The app shows each share as you type. • A QR code appears. Friends scan it — or paste a short code — and immediately see "You owe ₺120 for Dinner." • When someone pays you back, however the two of you do it, they tap "I sent it." • You tap to confirm you got it. Both sides agree, and that seat is closed. • "2 of 4 settled" means exactly that, on both phones, as it happens. FOR THE CREW THAT SPLITS EVERY WEEK Football on Thursdays. The same four flatmates. The usual dinner table. Make it a group once, and every session after that takes seconds: keep a roster of names, tick who turned up, and price it from either end — divide the whole check, or charge a flat amount a head and let the app work out the total. Everyone's running dues sit in one place, and one tap clears a friend who handed you cash. GETTING PAID BACK BY TRANSFER Add your IBAN once and it appears on your friends' screens, ready to copy straight into their own banking app. Nothing else happens to it. NO MONEY MOVES THROUGH PAYBACK There is no wallet, no balance, no card entry, and no payment processor. We never hold or move a single lira. You and your friends settle the way you already do — cash, or a transfer you make yourselves. PayBack is the honest shared record that you did. OPTIONAL, NEVER A GATE Your friends never need an account to see what they owe. That is the whole point, and it doesn't change. If you want your own splits to follow you to a new phone, you can make one: a name, a username, a 6-digit PIN. Add a photo if you feel like it. Delete all of it whenever you want, from inside the app. WHY IT FEELS DIFFERENT • Zero friction for friends: no sign-up, no account, nothing to type. They scan, and they know. • Honest progress: the bar moves when somebody actually settles, and never before. • Warm by design. It helps you follow up; it never leans on anybody. No red badges, no countdowns, no guilt. • Names are optional and come after paying, never as a gate. • Free, with nothing to buy inside it. Made for dinners, coffees, trips, five-a-side, and every "I'll get this — send me your part later."