Clero vs Live Pay for Groups

Send and receive money from friends straight from your bank account within the same day without wallets or transfer fees. Clero combines bank-to-bank payments, card transaction splitting, receipt scanning, and group expense tracking into one app. DIRECT TO BANK PAYMENTS WITH ZERO FEES • Same-day direct settlement: Money moves straight between bank accounts on the same day. No digital wallet balance to cash out. • Zero transfer fees: Send and receive money without paying 1.75% instant transfer fees. • Phone number claim links: Send money to anyone with a phone number. Recipients without Clero claim funds straight to their bank account through a web link. Expired claims return to your account. RECURRING REQUESTS AND BILLS • Flexible schedules: Create recurring payment requests for rent, utilities, subscriptions, or shared expenses. • Custom intervals: Set schedules by week, month, or year with specific billing days or end dates. • Scheduled tracking: Clero creates new requests on your schedule and notifies participants when bills come due. CARD AND SUBSCRIPTION SPLITTING • Card sync: Link your credit cards and bank accounts through Plaid. Tap any posted charge to split it with friends. • Subscription detection: Clero identifies recurring charges like streaming services, gym memberships, and utility bills for one-tap splitting. RECEIPT SCANNING AND RICH RIDE BREAKDOWNS • Camera and Gmail sync: Snap a photo of a restaurant receipt or link Gmail to pull receipts from DoorDash, Airbnb, and dining spots. • Uber and Lyft ride details: Pull ride breakdowns including pickup and drop-off points, duration, driver details, and table tip adjustments. • Itemized claiming: Tap items to claim dishes or divide shared plates. • Proportional tax and tip: Taxes and tips split based on each person's spend. • Locked shares: When someone pays, their share locks so subsequent edits do not alter settled amounts. BATCH PAY, AND PARTIAL PAYMENTS • Batch pay: Select multiple open requests from the same friend and pay them all at once. • Partial payments: Pay open requests in increments while keeping track of how much you still owe. GROUP TYPES AND DEBT REDUCTION • Monthly groups: Built for roommates. Set a settlement date like the 1st of the month. When the cycle ends, Clero smartly tallies balances, generates payment requests for that month and starts the next month without manual setup. • Trip groups: Pool vacation expenses and generate payment requests automatically when your trip ends. • On-demand groups: Split expenses for social events and settle whenever you choose. • Simplify debts: Clero calculates the shortest route across group members to eliminate redundant back-and-forth transfers. • Splitwise import: Upload a Splitwise CSV file. Clero matches names to your contacts and imports your balances. SECURITY • Face ID and Touch ID confirmation required before money moves. • Bank-grade encryption across all financial rails. --- Support: https://clero.money Privacy Policy: https://clero.money/privacy Terms of Service: https://clero.money/terms

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.