Lend money.
Stay friends.
PaidPair is the calmest way to keep track of money between people who trust each other. We don't move your 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
Get a gentle reminder
Both parties get a text 3 days before, on the due date, and every two weeks if it's overdue. No nagging from you.
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 by default
Only the two of you see the loan. No public profiles, no marketing, no resale.
Built for friends
Not for collections. If a friendship matters more than the money, this is your app.
Frequently asked
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.
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.