Swirepay Rewards vs OneCheckPlease

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OneCheckPlease is the fastest way to split a restaurant bill, settle group expenses, and get paid back — without the awkward math, the IOU spreadsheet, or chasing five Venmo requests. Snap any receipt. Our AI reads every line item in seconds. Drag dishes to the people who ordered them, or tap "Split Evenly." Then everyone pays their exact share with Apple Pay — one tap, no app-switching, no rounding errors. WHY ONECHECKPLEASE BEATS SPREADSHEETS & IOU APPS • AI receipt scanning — every item, tax, and tip extracted in seconds • Apple Pay one-tap — pay your share without leaving the app • Pool guarantee — the host gets paid in full the moment the pool fills • OneCheck Karma™ — a 0-100 trust score that grows with every on-time payment • No-IOU mode — everyone pays in real time, no one carries the balance • 50+ currencies — works for restaurant dinners, group trips, study-abroad • Indonesia ready — QRIS, GoPay, OVO, Dana, plus PB1 / PPN tax handling PERFECT FOR • Restaurant dinners with friends or coworkers • Group trips — Airbnb, Uber, dinners, activities • Roommate rent, utilities, groceries • Office lunches and team offsites • Bachelorette / bachelor weekends • Study abroad and travel splits • Wedding party expenses • Birthday dinners where one person ordered the wagyu HOW IT WORKS 1. Open OneCheckPlease and tap the camera icon 2. Snap the paper receipt (or upload from Photos) 3. AI extracts every line item — review and adjust if needed 4. Invite the table via QR code, link, or your friends list 5. Choose Split Evenly, By Item, or Custom Shares 6. Everyone pays their share with Apple Pay — done FEATURES • Smart receipt scanner — AI item detection in under 3 seconds • Three split modes — evenly, by item, custom shares • Apple Pay + Stripe — PCI-DSS Level 1 compliant payment infrastructure • Live participant tracking — see who has paid in real time • OneCheck Karma™ — payment reliability score (0-100, four tiers) • Group history — every meal, trip, and split in one timeline • Multi-currency — auto-converts at live rates • Friend list with QR — invite the regulars in two taps • Tip calculator — 15/18/20/custom, splits before or after tax • Tax-aware splitting — handles US sales tax, UK VAT, EU IVA, Indonesian PB1/PPN • Push notifications — host gets notified the moment a guest pays • Receipt vault — every scanned receipt saved for expense reports • Privacy-first — your data is never sold; minimal collection INTERNATIONAL Live in 50+ countries with multi-currency support and locale-specific tax handling. Optimized for English, Spanish, German, French, Portuguese, Indonesian; more locales rolling out monthly. PRICING Free to download. A small service fee applies per transaction (tiered: Light Bite $0.99 / Standard $1.49 / Premium $1.99 per share). No subscription required. Hosts complete a one-time Stripe Connect setup to receive payouts to their bank. PRIVACY & SECURITY Payments processed by Stripe — PCI-DSS Level 1 certified. Sign in with Apple supported. We never sell your data. Full privacy policy at onecheckplease.app/privacy-policy. Stop chasing Venmo requests. Stop arguing over who had the cocktails. Download OneCheckPlease and settle the table in under 60 seconds. Support: support@onecheckplease.com