Just time back to enjoy.

Live Pay is a payment app for groups. Everyone in the group pre-authorizes their share before the purchase happens. No one fronts the money. No one chases people down later. The only payment app where you're not paying people back.

With other apps — Venmo, Cash App, Splitwise — someone covers first and requests money back later. Even when friends pay back immediately, that charge sits on the organizer's credit card until their next bill payment, usually once a month. In that gap, interest accrues on money already recovered. Live Pay flips the model: everyone locks in their share before the purchase happens. No one fronts the money — so there's nothing to chase down, and nothing to pay down later.

Because whoever covers a group expense on their credit card absorbs the interest on that charge until they pay their bill — even after getting reimbursed. Most people pay their credit card once a month. In the gap between reimbursement and paydown, interest quietly accumulates on money spent for other people. Live Pay eliminates that gap entirely by making sure nobody covers in the first place.

Pre-authorization is the same system Uber, hotels, and gas stations use. When you authorize your share, Live Pay places a temporary hold on your card for that exact amount — no money has left your account yet. When the whole group has authorized, the holds convert into a single charge for each person's share. If the group doesn't lock it in, the holds cancel automatically within a few business days and nothing is ever charged. You're not paying twice — the hold simply becomes the payment once the group is ready.

Live Pay's fee (3% per person, minimum $1, maximum $5) covers payment processing and pre-authorization — and it's shown upfront before anyone authorizes. Here's why it's worth it: without Live Pay, whoever covers a group expense risks paying interest on money that isn't theirs — interest that's invisible, recurring, and never reimbursed. Live Pay's fee replaces that hidden, ongoing cost with a small, one-time, transparent one. And once our virtual card is live, this gets even simpler — the group's funds pay the merchant directly, so there's nothing on anyone's personal card to think about, ever.

Group trips, concert tickets, sports games, vacation rentals, group gifts, and rounds at the bar or restaurant. Anywhere a group of friends needs to share the cost of a purchase, Live Pay handles it before someone has to cover the whole tab.

A group isn't just friends. It's also a company. An employee covering a work expense on their personal card while waiting for accounting reimbursement faces the same interest gap as the friend who covers dinner. Live Pay is building toward a world where no one — friend group or work group — ever has to cover a collective expense on their personal card again.

The organizer enters the total. Each member sees their share and authorizes it. When everyone has confirmed, the full amount is collected automatically. Tips and taxes are split equally among the group.

Yes. Live Tab is built for going out with friends. Each member pre-authorizes each round before someone orders. Tips and tax are split equally. At the end of the night, no one is covering anyone else's drinks or food.

No. Only the organizer needs the Live Pay app. Everyone you invite just taps a link from your text message, then authorizes their share with any debit or credit card — same as paying anywhere else online. They never download an app, sign up for an account, or share bank account information.

When you create a Live Split, you can choose Instant payout. The moment your group authorizes their shares, Live Pay sends the funds directly to your debit card — usually within 30 minutes. There's a small Stripe fee (1.5%, minimum $0.50). Standard payout is free and takes 1-3 business days.

Every Live Split or Live Tab shows how much time you saved compared to the old way — sending individual payment app requests, tracking who paid, following up with people who forgot. Most splits save 5-20 minutes depending on group size.

Live Pay's group pre-authorization flow is patent pending in the United States (Application No. 64/047,946, filed April 23, 2026). The patent covers the specific way Live Pay coordinates individual pre-authorizations across multiple group members for a shared purchase. We filed the patent to protect a genuinely new approach to group payments — one that flips the model from "pay first, chase later" to "everyone authorizes before money moves."