About Splivo

What Splivo does. What it doesn't. How we charge. How to reach us.

Mission

Splivo splits bills. We do the math + the records. You pick the rail. For dinners, trips, rent, freelance invoices — same flow.

That posture is deliberate. We are not trying to replace the tools you already use to move money. We are trying to remove the mental math, the awkward follow-up texts, and the "who paid for what" tab-tracking that turns small amounts into friction.

As Splivo has grown, the same posture extends to invoicing: we don’t take payment, we don’t hold funds, we generate the document + the pay-link, and the rail you’ve already chosen (Venmo, Cash App, PayPal, Zelle, bank transfer, crypto) does the rest.

How Splivo works

The core flow is the same for every use case — whether you’re splitting dinner with three people or sending a $4,000 invoice to a client.

1. Capture. Tap the receipt, type the amount, or use the OCR scanner to read totals + line items off a printed receipt. Group splits include who paid + who owes.
2. Split. Equal, by share, by percentage, or itemized. Splivo handles multi-currency with live FX rates (free).
3. Record. The transaction is yours forever — group activity, balances, year-end CSV exports.
4. Settle. Splivo generates a deeplink to your chosen payment rail. Recipient pays via the app they already use; both sides get a record.
5. Reconcile. Manual “mark paid” or (with Stripe configured for businesses) automatic webhook reconcile.

For freelancers and small businesses

Splivo’s invoicing surface is designed for one-person businesses, freelancers, and small teams who don’t need a full accounting suite but do need professional billing.

Pricing for these features is honest: the free tier covers basic invoicing for casual use; Pro unlocks recurring, partial-payment ledgers beyond 3 entries per invoice, year-end summary export, and unlimited pay-links. Full breakdown on pricing.

Pay-link mechanics (for non-users)

Every Splivo invoice ships with a public pay-link — a URL the recipient can open without installing anything. The pay-link page renders:

• The invoice details (sender business name, line items, total, due date).
• A list of available payment rails the sender configured (Venmo, Cash App, PayPal, Zelle, bank transfer, crypto wallet addresses).
• One-tap deeplinks that open the recipient’s chosen payment app pre-filled with the amount + memo.
• A “Mark as paid” affirmation flow that notifies the sender (with proof URL where the rail provides one).

The web pay-link page is intentionally lightweight — no signup, no account creation, no marketing intercept. Recipient pays in the app they already trust, gets a record, leaves.

Chat security — the honest answer

Splivo includes a per-group chat for coordination (“who’s grabbing tonight?”). The honest description of what we have today + what we don’t:

What we are NOT

• We don’t hold funds. Splivo is not a wallet, not a bank, and not a payment processor. We never touch your money.
• We don’t process payments. Payments happen in the apps you already use. We generate the deeplink; the app you choose moves the money.
• We don’t sell user data. No data brokers, no ad networks, no third-party analytics resold downstream.
• We don’t track your location. No background GPS, no geofencing, no location-based targeting.
• We don’t send marketing emails. Transactional notifications only when you have configured them; no newsletter, no drip campaigns.

The full canonical version of these commitments — with retention windows, sub-processor lists, and data categories — lives in the Privacy Policy.

Origin honesty — the 3-act version

Act 1 — the problem. Rail-pickup friction is real. Group chats turn into receipt-tracking threads no one wants to read. Mental math + tab-tracking on the back of a napkin compounds into resentment over small amounts. The free tools that exist either hold funds (which we don’t want), upsell aggressively (which we won’t do), or assume one rail (which we won’t pick for you).

Act 2 — the approach. Local-first. Never holds funds. User-agency-first — you pick the rail, you confirm each settlement, you own the records. The math is ours; the money flow stays in the apps you already trust. Then freelancers asked for invoicing, so we added invoicing — same posture, different surface.

Act 3 — where we are now. Current beta. Honest about pre-v1.0 gates (see below). No funding round to announce. No “we are revolutionizing” claim. It is one tool, built by people who got tired of running totals on the back of a napkin.

Where we are now — v1.0 readiness honesty

Splivo is in current beta. The expense-splitting + invoicing + pay-link + chat + multi-currency surfaces are wired and shipping; new versions land roughly every 1-2 days. The path to v1.0 is gated on a small set of explicit launch readiness items:

• Apple Developer Program signup — gates iOS launch.
• Production Stripe + Resend credentials — gates web subscription billing + transactional email at scale.
• Release keystore — gates Play Store submission with a stable signing identity.
• Real OCR on-device — default = ML Kit per benchmark; ships with v1.0 receipt-scan polish.
• Trademark TESS clean — verifies the “Splivo” mark before public launch.
• Entity decision finalized — gates production credentials + A2P 10DLC SMS compliance.

The verifiable narrative for what shipped when lives at changelog. The press one-pager with brand assets and at-a-glance facts lives at press. We post what is actually live, not what we wish were live.

Pricing posture

The Free tier is real, not a trial. It covers core expense-splitting, basic invoicing (up to 2 partial payments per invoice), and core group features for everyday use. Pro adds recurring invoices, unlimited partial-payment ledgers, year-end CSV exports, multi-currency advanced features, and unlimited group sizes. We don’t put upgrade nags in core flows; the upsell sits where it belongs (settings + the features themselves), not in front of a split you are trying to record. Full breakdown lives at pricing.

Contact & transparency

For questions, bug reports, and feature requests, the email-based help center lives at support. We aim to respond within 48 hours on weekdays; we don’t pretend to offer 24/7 chat we cannot staff.

For security disclosures and vulnerability reports, the responsible-disclosure flow lives at security. For the full list of services Splivo connects to and what each one sees, see integrations. The verifiable narrative of what shipped when lives at changelog; brand assets and at-a-glance facts live at press; pricing is at pricing; data handling is at privacy.

Press, partnership, and other inquiries: [email protected].

If Splivo is the right tool for you

You decide. We’ve told you what we do, what we don’t, what is wired, and what is pending. No timers, no scarcity framing, no dark-pattern nudges. If the posture matches what you need, the app is on the Play Store (iOS shipping post Apple Developer Program signup); start with the free tier, decide whether Pro is worth $4.99 once you’ve actually used it. The web pay-link page works for recipients without an account.