How to do things in PayMeLater
Short, step-by-step guides with annotated screenshots for the things people ask about most. Can't find what you need? Email us at support@nicovate.com.
Contacts
Linked and offline contacts, inviting friends and keeping names private.
Linked vs offline contacts
PayMeLater has two kinds of contact. Here is what each one does, how to tell which one you have, and when to choose each.
Read the guide →ContactsHow does my friend see it on their phone?
You added someone with their phone number. Here is how the same ledger appears on their phone, and what to check if it does not.
Read the guide →IOUs
Logging what is owed, editing entries, settling up and reading the history.
Add your first IOU
Log who owes what in three taps: who, how much, and why. The entry lands on that person's ledger with its reason and date.
Read the guide →IOUsRecord a payback and settle up
When money comes back, log it as a payback so the balance drops and the entry reads as a repayment, not a new debt.
Read the guide →IOUsEdit an IOU and read its change history
Amounts, reasons and dates can all be changed. Every change is written into a dated history on the entry, so the record stays fair.
Read the guide →Bills
Splitting a bill by item, sharing it with friends and turning it into IOUs.
Currencies
Mixing currencies, live rates and changing the currency of a contact.
Account
Signing in, anonymous mode, changing your number and premium.
Ten seconds to your first IOU.
Download PayMeLater and follow along. It is free, private and your friends do not need an account.
Free to download · multi-currency · no ads, ever