Pay Me Back! vs 有拖冇欠 SettleUp

App made your expense and payment easy! Troubled with complicated payment transactions with friends? "Pay Me Back" can help you record the expenses of your events, and tells you how (how much and to/from whom) you can pay settle the payment among event members. Just input the expense detail, you will get the result and share with your friends! You may also record payment status.

- Create virtual ledgers to record all transactions in a clear manner - Rapid creation of transaction records by receipt images or speech, powered by Google Gemini AI - Share ledgers online with friends, record transactions collaboratively, and assign access rights to each friend - Ledgers can be stored and used offline in case no internet connection is available, and upload back online later - Support more than 160 currencies, fetching latest exchange rates online, or specify your own rates for each transaction - Transactions in a ledger can be in different currencies, auto-conversion to settlement currency by app - More than one payer is possible in a transaction, each payer may pay different amounts or even in different currencies - Ways to share among participants in a transaction: by proportion, by percentage, or by exact amount. Each transaction has its own way of share - Different proportion, percentage or exact amount may be specified for sharing by each participant in a transaction - Automatically calculate repayment steps in the simplest way - Generate FPS QR code to facilitate repayment (only for settlement currency in Hong Kong Dollar or Renminbi) - Statistics on daily expenditure, expenditure by participants/transaction categories available as charts (only in upgraded version) - Statistical data and raw data in ledgers can be exported as Excel files (only in upgraded version) - Maximum 3 ledgers in free version. No limit in number of ledgers in upgraded version - App created by a local Hongkonger. Cantonese/English language interfaces and light/dark modes available