My own concept for groups who eat out or travel together. Scan one receipt, claim your items, pay your exact share at the table, and let a private reminder handle what’s left.
You are owed $162.50 · You owe $20.00
Monday, June 10
9:41
You have an open balance of $20.00 for ‘Osteria dinner’ with Alex.
Snooze 3 days
Five functions carry the whole flow, from the moment the bill arrives to the last open share.
A Wallet or lock-screen shortcut starts the split before the bill goes cold.
AI reads items, quantities, tax, tip and currency from one photo.
Mine, split all or selected people, per item. Tax and service split by share.
Each person pays their exact share with Apple Pay or in the app.
Private reminders, seen only by the person who owes, on a schedule they set.
So joining and settling stay free. SplitPulse charges for automation, receipt intelligence, multi-currency and venue workflow.
Group payments still end with “I’ll send it later”. The product closes that gap at the table, without anyone having to ask.
Split the bill. Keep the good part of being together.
When I’m out or travelling with others, I want to divide shared costs instantly and fairly, so nobody overpays or feels uncomfortable asking for their money back.
The system reminds, privately. Friends never see when or how often.
Item-level split at the table, settled in one tap.
Guests scan the check QR and pay individually, no extra hardware.
One payment can bring a whole table into the product, so the plan is built around that referral moment. Paid spend waits until cohorts stay and refer.
Stage 1 · Seed
5–10 restaurants, travel groups and shared households. Guests settle by QR without installing the app.
50%+ of created splits settle; no critical payment failures
Stage 2 · Organic loop
The host shares one link; friends claim and pay; each can start the next split. Referral prompt only after payment.
D30 retention 25%+ and K-factor 0.35+ in two cohorts
Stage 3 · Social proof
TikTok demos of a real receipt turning into payments, honest Reddit answers, building in public on X.
Measure referred, activated users, not views
Stage 4 · Paid tests
Small Reels and Stories tests for adults 20–40, one creative and landing flow per use case.
Scale only at blended CAC ≤ $1 and LTV/CAC ≥ 3
Stage 5 · Scale
Creator explainers, venue co-marketing, receipt QR codes. The payment flow stays ad-free.
Venue payback within 9 months
A planning case for one launch market. Every input is an assumption to validate.
Paid traffic doesn’t pay back for consumers, so consumer growth leads with referral and organic.
Draft message: Hey… any chance you can send that $35 for dinner from 2 weeks ago?
Stop sending awkward debt texts.Lock-screen notification: You have an open share of $20 with Alex. Buttons: Pay $20.00 with Apple Pay, Snooze 3 days.
Meet Silent Smart Push.Delivered only to the person who owes.
Someone always pays upfront. Reminders feel uncomfortable. Micro-debts get forgotten.
Scan the receipt. Everyone pays their exact share with Apple Pay.
Paid in 4s ✓