Betalo vs SplitNow

BETALO – USE YOUR CARD WHERE IT’S NORMALLY NOT ACCEPTED With Betalo, you can easily pay bills, invoices and send money – using your credit or debit card. It’s perfect when you want to use your card for payments that usually require a bank transfer. Want to pay rent, electricity, phone bills or an invoice from a contractor with your card? With Betalo, you can pay various bills and invoices to Bankgiro and Plusgiro using your existing card – while earning points, bonuses, and enjoying extended payment time through your card. Paying with your card doesn’t just give you flexibility – it’s also a secure way to manage your finances. You get full control over your cash flow, a better financial overview – and the same protection and security for bill payments as with regular card purchases. Betalo is available for both individuals and businesses, so whether you're paying as a private person or running your own company – you always have a smarter alternative to traditional payments. PAY BILLS WITH YOUR CARD - Pay to Plusgiro and Bankgiro with Mastercard, Visa and American Express. -Maximize your card’s value – earn points, bonuses, and extended payment time SEND MONEY TO SWEDISH BANK ACCOUNTS -Transfer from your Visa or Mastercard directly to a local bank account – to individuals or businesses -Earn points and bonuses, and use your card’s payment grace period even for bank transfers PERFECT FOR BOTH INDIVIDUALS AND BUSINESSES INDIVIDUALS: -Pay rent, electricity or phone bills and invoices with your card -Earn points and bonuses on everyday spending -Get control, flexibility, and a clear overview of your finances BUSINESSES (Only available in Sweden at the moment): -Pay supplier invoices with your card – even where cards aren’t accepted -Improve cash flow with longer payment periods and bonus advantages -Simplify accounting by consolidating all payments on one card SECURE, SIMPLE AND FAST -Log in securely with Mobile BankID -All communication is encrypted -Betalo operates in PCI-certified data centers with the highest security standards GET STARTED IN JUST MINUTES All you need is a personal ID number (Swedish or Norwegian), Mobile BankID, and a payment card. For businesses, you need to be an authorized signatory. FEES The fee varies by card and starts from 0%. Read about the different fees at betalo.com/avgifter or betalo.no/avgifter and about our partner cards at betalo.com/partners or betalo.no/. QUESTIONS – WE’RE HERE TO HELP Visit our FAQ, contact support in the app, or email us at info@betalo.se or info@betalo.no

Split the bill, keep it simple. SplitNow is a single-purpose split-bill app. No accounts, no groups, no IOUs, no balances. Scan a receipt, type freely who ordered what, and the AI does the rest. Share a receipt-card image with payment details in two taps. • Scan or skip. Point your camera at the receipt — on-device OCR pulls the items. Or skip and type from scratch. Either way works. • Plain-English describe. "Anna had the pasta, Bob had pizza, we shared garlic bread." That's the whole input. AI sorts it. • Tax + tip split modes. Proportional, equal, or skip. Pick once, SplitNow remembers. • Multi-currency, IDR default. Detects the receipt's currency automatically; override in Settings if needed. • Share a receipt card. One image, one share sheet. Send it to the group chat and you're done. • Bank + e-wallet + QRIS. Add your payment methods once; they embed on the share card so people know exactly how to pay you. • No accounts. No login. No analytics. The receipt photo never leaves your phone — only the OCR text and your description do. Built by Devara Fikry Akmal at Devalab — a one-person studio of small, calm apps.