IOU PayFriendly money,
faithfully kept.
IOU Pay turns casual promises into clear, mutual agreements — so the loan stays simple and the friendship stays whole.
Built to protect the friendship
Written Agreements
Turn a casual promise into a clear, mutually-acknowledged record both sides trust.
Smart Reminders
Gentle, automatic nudges keep payback dates on the calendar instead of on your mind.
Private & Secure
Encrypted end-to-end. Only the people on the IOU see the details.
Friend-First Design
Built for friends and family — no debt collectors, no awkwardness, just clarity.
Track Everything
Balances, partial payments, and full history at a glance across every relationship.
Mutual Respect
Both parties confirm the terms. Agreements are made together, kept together.
Three steps to a kept word
Create the IOU
Add the amount, the person, and the terms. Takes less than a minute.
Both sides agree
The other party confirms. Now it's a record — not a memory.
Track & settle
Log payments, see the balance, and close the loop with a tap.
Real people, kept promises
"Saved a friendship and $800. The mutual-agreement step changed everything."
"Finally a way to track money between family without it getting weird."
"The reminders are gentle enough to actually use. Brilliant little app."
"Clean, calm, and respectful. Feels nothing like a finance app — in the best way."
Simple, honest pricing
- Up to 5 active IOUs
- Smart reminders
- Mutual agreement
- Email support
- Unlimited IOUs
- Custom schedules
- Partial payments
- Priority support
- Export to PDF
- Everything in Plus
- Shared family ledger
- Per-member balances
- Role permissions
Your agreements are encrypted before they ever leave your device.
Updates appear on both sides the moment they happen.
iOS, Android, and web — your IOUs travel with you.
Keeping agreements friendly.
Lending money to someone you care about should never cost you the relationship. IOU Pay exists to make person-to-person money simple, transparent, and respectful.
We built IOU Pay for the everyday moments — covering dinner, lending a deposit, splitting a trip — where a clear record matters more than a contract.
We have your best interest in mind.
Send us a message to learn how IOU Pay can meet your needs. Tell us a little about your situation and we'll get back to you as soon as we can.
Stay in the loop
Occasional updates on features, launches, and friendly money tips. No spam, ever.