No app installs required for your friends. Just create a split, share the link, and they pay directly via any UPI app with amounts pre-filled.
Create a Split — it's freeThree simple steps to settle up
Enter the expense details, add your friends, and enter your UPI ID where you want to receive money.
Send the generated smart link via WhatsApp, Telegram, or any messaging app.
Friends open the link (no app needed!) and tap to pay. Their UPI app opens with the exact amount pre-filled.
Friends just open the web link on their browser.
No manual entry mistakes. Exact split amounts are sent to the UPI app.
See who has paid and who is pending in real-time.
Scan to pay works perfectly for in-person settlements.
Money never touches our servers. It goes directly peer-to-peer.
No transaction fees, no premium tiers. Just simple bill splitting.
No! That's the best part. They just receive a link, open it in their browser, and tap a button to pay via their existing UPI app (GPay, PhonePe, Paytm, etc).
Never. SplitKaro just generates smart UPI links. The transaction happens directly between your friend's bank account and your bank account via UPI.
Yes, it is completely free to use. We don't charge any platform fees.
The link will always show the exact UPI ID it's sending money to. When your UPI app opens, it will verify the receiver's name directly with their bank before you enter your PIN.