Asking for the money back is the awkward part.
Lend money.
Stay friends.
PaidPair handles the reminding so you don't have to — gentle, automatic, low-drama. Built for friends, family, and the small businesses you trust. We don't move money. We just remember the IOU.
How it works
Three steps. No surprises.
1
Record a loan
Set the amount, when it's due, and who. They get a text and an in-app invite to confirm.
2
We do the asking
Both parties get a gentle text 3 days before, on the due date, and every two weeks if it's overdue. You never have to send the awkward ‘hey about that $100’ message.
3
Confirm when it's paid
When they pay you via Venmo, Zelle, or cash, they snap a screenshot. You confirm. Done.
Why PaidPair
Designed around how friends actually lend money.
Interest-free, always
Personal loans should stay personal. We don't allow interest, period.
We don't touch your money
PaidPair is just the record-keeper. Money moves through Venmo, Zelle, or cash — same as today.
Private — with optional trust signals later
Today, only the two of you see your loan. We may eventually offer an opt-in trust score so others can evaluate your repayment history before lending to you — aggregated, anonymized, never revealing the specific loans or people involved. You decide whether to share it.
Built for trusted relationships
Not for collections. Whether you're lending to a friend, a family member, or a small business you trust, this is for people whose relationship matters more than the money.
Frequently asked
Honestly, most people prefer it. The texts are warm, low-key, and signed PaidPair — not from you. Your friend or family member is just as relieved as you are to skip the awkward ‘hey, about that money...’ message. Everyone gets the loan tracked, nobody has to be the bad guy.
No. We don't loan you money or hold your money. We're software that helps you remember a loan you've made yourself, to someone you already know and trust.
All of them. Venmo, Zelle, Cash App, bank transfer, cash — whatever you and your friend already use. PaidPair never touches the actual transaction.
Yes — for trusted relationships. A loan to your sister's bakery, a vendor advance to a partner you've worked with for years, or a family-business cash bridge all fit. We're designed for people who know each other, not for arms-length commercial lending. The same $10,000 per-loan cap and interest-free rules apply. For larger loans or recurring payments, our Business tier is in early development — email business@paidpair.com to learn more.
Because the cost to operate this for friends-and-family scale is nearly zero. We may add optional paid features for businesses later, but the core friend-loan tracker will always be free.
Personal loans under $10,000 are generally exempt from IRS imputed-interest rules. PaidPair caps individual loans at $10,000 to keep you in that safe harbor. For your specific situation, talk to a tax professional.
Encryption in transit, row-level database security so only loan participants see loan details, payment screenshots stored in private storage with short-lived signed URLs. Read our full Privacy Policy for details.
Looking for something more?
PaidPair Business is in early development for larger loans, recurring payments, and use cases like vendor advances or equipment leasing. Email business@paidpair.com to learn more.