Live Pay for Groups vs Beestow

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.

Beestow is the easiest way to give the gift of the stock market. Pick a company or fund, choose an amount, and send it by text, email, or a printable QR code. Your recipient opens their gift, watches its value track the market over time, and cashes out to their bank or brokerage whenever they're ready — no brokerage account required to give or receive. A GIFT LINKED TO THE MARKET — NOT FORGOTTEN IN A DRAWER Gift cards get spent and cash gets lost. A Beestow gift stays linked to market performance, so it can mean more years from now than the day you gave it. HOW IT WORKS 1. Choose a company or fund and a dollar amount (from $20). 2. Send it instantly by text, email, or a printable QR code. 3. Your recipient claims it with a quick sign-in — no brokerage account needed. 4. They follow its value as the market moves, and redeem the cash value to their bank or brokerage anytime. WHY PEOPLE LOVE BEESTOW - Meaningful — more than cash or a gift card - Lasting — linked to the market, not forgotten - Easy — send in under a minute, three ways - No brokerage account required to give or receive - Perfect for birthdays, graduations, holidays, new babies, and grandkids MADE FOR REAL LIFE Send your niece a gift linked to her favorite company. Start a tradition with your grandkids. Give a graduate something that can matter for decades. HOW REDEMPTION WORKS Beestow gifts are prepaid gifts whose value is linked to market performance. The recipient doesn't receive securities — when they redeem, Beestow transfers the gift's current cash value to their bank or brokerage account. Your exact payout — including any processing, and for bank cash-outs a flat fee — is shown before you confirm. Simple, transparent cash settlement. Examples shown in the app are illustrative and do not represent securities ownership or guaranteed future value. Beestow is not a broker-dealer or investment adviser and does not provide investment advice. Questions? Reach us at support@beestow.com.