OneCheckPlease vs The Smart Budget

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

The Smart Budget does the work for you. Set it up once and your spending logs itself — captured, cleaned up, categorized, and checked for anything odd. You open the app to review, not to type. Private, built on Apple Intelligence — and free to start. Smart Budget reads the merchant, amount, currency, and date on-device, cleans up the messy bank text, picks the right category, and quietly flags anything unusual. No bank login. No third party, ever. Prefer to add one by hand? Log it in seconds, snap a receipt, or say it out loud. Your data stays yours. No accounts to create. No bank-linking required. No data sold or shared. iCloud sync is optional and runs through your own Apple ID — we never see it. — FREE FOREVER — • Hands-off capture — set it up in seconds and your bank texts and notifications log themselves • Import a bank statement — PDF or CSV, read by Apple Intelligence (iOS 27) • Automatic cleanup + categorization — messy bank merchant strings become clean, sorted entries • Anomaly detection — the Notable card flags spending that doesn't match your patterns • Add transactions by hand too — type in seconds, dictate, or snap a receipt • Unlimited transactions, budgets, goals, and incomes • Dashboard with "available this month" hero • "Tell it once, learn forever" merchant aliases — name a merchant once, it's applied forever • Reports: Spending by category, Income vs spending, All transactions, Anomalies & alerts • Lock Screen + Home Screen widgets • Spotlight search for any transaction • Siri Shortcuts for quick logging • Multi-currency with automatic FX conversion • Light + dark mode (warm Bronze Prosperity palette) • Full VoiceOver, WCAG AA contrast — SMART BUDGET PRO — The intelligence layer, optional, shareable with your family: • Smart Insights — LLM-narrated story cards on the Insights tab: looking-ahead pace forecasts, goal coaching, category-mix shift detection, recurring-charge audit, what-if scenarios, savings opportunities, period summaries • All Reports — Top merchants, Largest transactions, Recurring charges, Merchant frequency, Budget history, Goal progress, Savings, By account, Year in review, plus per-member household reports Pro pricing: • Monthly: $2.99 • Yearly: $24.99 (3 months free vs paying monthly) • Lifetime: $49.99 (one-time payment, never expires) — SMART BUDGET HOUSEHOLD — Everything in Pro, for your whole household on one shared ledger: • Household Sharing — invite a partner; share budgets, goals, and reports through a private CloudKit Share you control • Members don't pay — the owner's plan covers everyone in the household Household pricing: • Monthly: $4.99 • Yearly: $49.99 (2 months free vs paying monthly) • Lifetime: $99.99 (one-time payment, never expires) Bought Pro before version 2.0? Household sharing stays included in your plan. All Pro and Household plans support Apple Family Sharing — one purchase covers up to six family members at no extra cost. Cancel a subscription anytime in iOS Settings → Apple ID → Subscriptions. — PRIVACY — The Smart Budget runs on Apple Intelligence — on your iPhone or in Apple's Private Cloud Compute, Apple's own hardened servers. Nothing is stored, and no third party is ever involved. No analytics SDKs. No advertising trackers. No accounts to sign up for. Read the full privacy policy at zaatarlabs.com/privacy-policy. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy: zaatarlabs.com/privacy-policy