Guild Financial vs Live Pay for Groups

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Spending money as a group just changed. Finally. No math. No covering. No chasing. No paying interest on someone else's tab. Live Pay for Groups is the only payment app where you're not paying people back — because everyone locks in their share before anything is purchased. THE HIDDEN COST OF COVERING Even when your friends pay you back the same night, that charge still sits on your credit card until you pay your bill — usually once a month. In that gap, you're paying interest on money that was never yours to spend. Live Pay eliminates that gap entirely — and now shows you exactly how much you're avoiding, every time. HOW IT WORKS Live Split — Split any group purchase before it happens. The organizer sets the total and invites everyone. Each person pre-authorizes their exact share. When everyone's in, the purchase goes through. Cards are only charged when it's done — not before. Live Tab — Pre-authorize each round at a bar or restaurant. Before each round, everyone approves their share. No one covers the table. No one does math at the end of the night. Just time back to enjoy. INSTANT PAYOUT Choose instant payout and get paid directly to your debit card — usually within 30 minutes of your group authorizing. No credit card. No balance to carry. No interest. Ever. THE DIFFERENCE With other apps, you pay first and request money back later. With Live Pay, everyone locks in their share first — and the split closes automatically. Same pre-authorization system used by Uber, hotels, and gas stations — applied to your friend group. FEATURES - Interest avoided counter — see exactly how much interest you've avoided by never covering for friends - Time saved counter — see the minutes you've saved using Live Pay - Group pre-authorization — no one pays until everyone commits - Instant payout — get paid back in ~30 minutes, no interest - Automatic split calculation — no math, ever - Personal budget limits — set your night out budget privately - Privacy first — group members never see each other's amounts - Face ID / Touch ID — approve payments with a glance - Receipt scanning — snap a photo, amounts auto-fill Finally. No math. No covering. No chasing. No paying interest on someone else's tab.