Auto-payout to the host
Every share flows into one pool, then auto-transfers straight to the host's connected bank. No chasing, no splitting, one clean deposit.
Now available · Free on iOS
Split the bill.
Split the bill.
Pay the host instantly.
OneCheckPlease is the bill-splitting app that actually pays the host. Scan the receipt, split it any way you like, and watch every share auto-deposit into the host's bank the second the pool fills. No IOUs. No 1 a.m. Venmo requests. No spreadsheets.
The problem
Splitting the bill shouldn't take longer than the meal.
Existing apps each solve a slice of the problem and leave the rest on the host. OneCheckPlease closes the loop.
Splitwise
Tracks IOUs but never moves money.
You still need a second app to actually settle up. The host plays accountant for a week.
Venmo & Cash App
Moves money — but doesn't split a bill.
No receipt scanning, no fair item-by-item math, no guarantee the host doesn't end up under-paid.
Group payment requests
Send eight notifications. Get six payments. Chase two.
The host fronts the whole bill, then chases the table for a week. Friendships get weird.
How it works
Four steps. Then dinner.
From "who's got cash?" to "check, please" in about ninety seconds.
-
01
Open a table
Create a table for tonight's dinner. Invite the crew with a link or QR — no app install required to chip in.
-
02
Scan the receipt
Snap the paper or digital receipt. AI detects every line item, tax, and tip in seconds.
-
03
Everyone pays in
Each diner pays their share via Apple Pay, Google Pay, card, or bank — pool fills live for the table to see.
-
04
Host gets paid
Pool fills → funds auto-transfer to the host's connected bank instantly. They settle the check as one transaction.
Features
Built for the way groups actually pay.
No more covering the bill and hoping everyone pays you back. Everyone pays into the pool first — and the second it fills, the full amount lands in the host's bank.
AI receipt scanning
Snap the receipt — paper or digital. We detect every item, tax, and tip automatically, then let the table assign who ordered what.
Apple Pay & Google Pay
Friends pay their share in two seconds. Cards, wallets, and bank transfers — all settled into the pool instantly.
OneCheck Karma™
Reliable payers earn karma. Freeloaders lose it. Your reputation travels with you across every group you're in.
Pro-rata refunds
Over-collected? Tip adjustment? Anything left over goes pro-rata back to every payer — automatically, no spreadsheet required.
Multi-currency, anywhere
Travelling? Dining abroad? Pay in any major currency — conversion handled automatically at standard market rates.
Why OneCheckPlease
OneCheckPlease vs Splitwise vs Venmo vs Cash App
The full feature comparison most people never bother to do — until they're stuck chasing an $87 share at midnight.
| Feature | OneCheckPlease | Splitwise | Venmo | Cash App |
|---|---|---|---|---|
| Splits the bill (math) | Yes | Yes | No | No |
| Actually moves money | Yes | No | Yes | Yes |
| AI receipt scanning | Yes | Pro only | No | No |
| Auto-payout to host's bank | Yes | No | No | No |
| Single deposit (host pays restaurant once) | Yes | No | No | No |
| Apple Pay & Google Pay in-app | Yes | No | Limited | Limited |
| Pool funding visible to the table | Yes | No | No | No |
| Reputation / karma score | Yes | No | No | No |
| Pro-rata refunds | Yes | No | No | No |
| Multi-currency support | Yes | Yes | No | No |
| Free to use | Yes | Free tier | Yes | Yes |
Use cases
Anywhere a single person fronts the bill.
OneCheckPlease isn't just for restaurants. Anywhere one person covers the cost and the group needs to chip in fairly, the same flow works.
Restaurant dinners
Big-table dinners, birthday celebrations, group lunches. Scan, split, settle.
Trips & vacations
Airbnb, hotels, group cabs, excursions. One pool per trip, one auto-payout per host.
Roommate expenses
Utilities, groceries, internet, furniture. Recurring or one-off — both work.
Events & tickets
Concert tickets, festival passes, group gifts. The organizer fronts it; the table chips in.
Questions
Frequently asked questions
Everything we wished competitors actually answered on their landing page.
What is OneCheckPlease?
OneCheckPlease is a bill-splitting app for iOS that lets a group pay a single host. Each person pays their share through Apple Pay, Google Pay, card, or bank transfer. Funds collect in a secure payment pool, and the moment the pool fills, the full amount auto-deposits into the host's connected bank account. The host then settles the bill with the restaurant as a single transaction.
How is OneCheckPlease different from Splitwise or Venmo?
Splitwise tracks IOUs but never moves money — you still need Venmo, Zelle, or cash to actually settle up. Venmo moves money but does not split a bill, scan a receipt, or guarantee the host gets paid in one deposit. OneCheckPlease combines both: it scans the receipt with AI, splits the total fairly, collects every share into a pool, and auto-pays the host instantly when the pool is full.
How does AI receipt scanning work?
Snap a photo of any paper or digital receipt. OneCheckPlease's AI detects every line item, tax, and tip in seconds. The table can then assign items to specific people, split certain items between a few diners, or split the whole check evenly. Tax and tip distribute proportionally.
Is OneCheckPlease free?
Yes. OneCheckPlease is free to download and free to use for splitting bills. Standard payment-processor fees apply on card transactions, the same as Venmo or Cash App. There is no monthly subscription required.
Is OneCheckPlease secure?
Payments are processed by Stripe, which is PCI-DSS Level 1 certified — the highest security tier in the payments industry. OneCheckPlease never sees or stores card numbers. Apple Pay and Google Pay tokens are device-bound and biometric-gated.
What is OneCheck Karma?
OneCheck Karma is a portable reputation score that grows every time you pay your share on time. Reliable payers earn karma; freeloaders lose it. Hosts can see karma scores when inviting people to a table, so the system rewards the people who consistently settle up.
What happens if someone doesn't pay their share?
The pool stays open until every share is collected. The host is never short-paid: the auto-payout only triggers once the pool is fully funded. Karma penalties and reminders push slow payers; the host can also cover a missing share manually if they choose.
Does OneCheckPlease work outside restaurants?
Yes. The app is built for any shared expense: trips, vacation rentals, roommate utilities, office lunches, group gifts, and event tickets. Anywhere a single person fronts the cost and needs the group to chip in fairly.
Where can I download OneCheckPlease?
OneCheckPlease is available free on the Apple App Store at apps.apple.com/app/id6749919999. The Android version is coming soon — join the wait list to be notified when it ships.
Does OneCheckPlease support multiple currencies?
Yes. OneCheckPlease supports multi-currency tables for international travel and dining abroad. Conversion is handled by the underlying payment processor at standard market rates.
Stop fronting the bill. Start pooling it.
Free on iOS. Android coming soon — drop your email and we'll ping you the moment it lands.
One email when Android ships. That's it.