Split the bill, not the friendship.
Create a split, share the claim link, and let friends pick what they had. Cleo keeps the ledger; your friends pay you directly.
The split starts with a link, not another app.
Send a secure claim page to the group chat. Everyone opens it on mobile, verifies by phone, and claims their own items from the same shared receipt.
Cleo
Claim link ready
Dinner split is ready. Claim what you had:
paywithcleo.com/claim/7K9
secure claim page
Friends claim items here. Once totals are set, each person pays the organizer directly.
Maya
claiming
Sam
claiming
Leo
claiming
Maya's link
Pick your plate
Spicy rigatoni
Sam
Kale salad
Maya
Garlic bread
Shared
Tax + tip
Split
Nobody downloads anything to pay you back.
Friends open a private page, claim their items, and then use your Venmo, Cash App, or Zelle details. Cleo never collects the money.
Cleo vs. Alternatives
Cleo is optimized for claim links, no recipient app install, and direct friend-to-friend repayment.
Cleo
Phone linkSplitwise
Account-firstSplit Mobile
Guest linkCleo
Not requiredSplitwise
Best with appSplit Mobile
Not requiredCleo
Direct to friendsSplitwise
Recorded settle-upSplit Mobile
Checkout-styleCleo
Built inSplitwise
Expense toolsSplit Mobile
Receipt reviewCleo
Coming soonSplitwise
Built inSplit Mobile
Coming soonCleo
Low-friction repaymentSplitwise
Shared ledgersSplit Mobile
Bill settlementOne weekend, many receipts, a tiny settlement list.
Next up: Cleo will keep a ledger for the whole trip, then simplify who owes who. Settlement links will show the amount and the person to pay directly.
Hudson weekend
Settle-up
12
expenses
$1,284
tracked
3
transfers
Nina pays Jay
settlement link ready
Owen pays Maya
settlement link ready
Sam pays Jay
settlement link ready