All features
Settlements
Smart settlements
Paycent computes the minimum number of payments to zero everyone out. Three friends with tangled debts settle in one transaction each, not four.
Debt simplification
Run the math across the whole group. Paycent solves for the smallest set of transfers that brings every balance to zero, rather than asking every pair to pay each other.
Two-step settle
Tap a suggested settlement, confirm the amount (you can edit it for partial payments), and Paycent records the transfer. The activity feed captures it as a payment event.
Settlement history
Every recorded payment is visible to every member. You can delete a payment if it was added in error — the balance recomputes immediately.