The problem: Life is busy and people forget. The answer: PayChaver.
PayChaver helps you stay on top of your IOUs and more — so you can set it and forget it.
Pick a trusted contact, enter the amount, hit send. PayChaver defaults to the fastest path — a single friendly request — so asking never turns into a whole production.
Kiddush, a group gift, a camp trip — enter the total, add everyone in, and PayChaver splits it evenly (or a custom breakdown) and tags every entry so you can see the whole group at a glance.
Every message assumes the best — that they got busy, not that they forgot on purpose. Sent by email, copied for SMS, or ready to paste into WhatsApp, however they're easiest to reach — each one includes a convenient link to pay right then and there, so following through takes one tap.
PayChaver isn't just for collecting — it's for paying back. Track what you owe others alongside what's owed to you, so keeping your word runs in both directions.
"Keeping your word matters — even when life gets in the way."
Paying people back is one of the most basic promises we make each other, and one of the easiest to let slip. PayChaver exists to make sure it doesn't — for the people who owe you, and for you.
"I used to just... not ask. Now I send a reminder in ten seconds and it doesn't feel like I'm accusing anyone of anything."
"We use it for our chaburah dues every month. Splitting it and tagging everyone saved so much back-and-forth."
"Honestly the 'Money I owe' tab is the part that changed how I use it — it keeps me honest, not just everyone else."
It takes about ten seconds to send your first request.
Open PayChaver — it's freeIn halacha, delaying a payment you owe isn't treated as a minor lapse of manners — it's a Torah-level prohibition known as bal talin, "do not let it remain overnight." The obligation is rooted directly in the mitzvah of paying a worker on time, and Chazal treated it as serious enough to list among the transgressions a person can violate simply by letting money sit that isn't theirs to sit on.
The details of bal talin are specific — they center on wages and rent, and how and when they must be paid. But the value underneath it runs through all of Jewish thought on money between people: what you owe someone isn't fully yours to hold onto. A delay that feels small to the person who forgot can be a real weight to the person waiting.
That's the seriousness PayChaver is built around. Not guilt — just the idea that paying people back on time is genuinely part of doing right by them, and that anything making it easier to remember is worth building.