Frequently AskedQuestions

PayaGo is a digital wallet platform that allows you to create shared wallets with friends, family, or colleagues. Each member gets a virtual card, and when anyone pays, the bill is automatically split according to your chosen ratio. No more chasing people for money or awkward money conversations.

Simply download the PayaGo app from the App Store or Google Play, enter your email and phone number, and verify your identity. The whole process takes less than 2 minutes.

PayaGo is currently available in the United Kingdom, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, and Iceland.

When any group member uses their PayaGo virtual card to make a payment, our system automatically splits the bill according to the ratio you've set. For example, if you have a 50/50 split with a friend and you pay £100 for dinner, you'll be charged £50 and they'll be charged £50 — instantly and automatically.

No! PayaGo connects directly to your existing bank account. When you make a payment, only your share is withdrawn from your account. You don't need to top up or pre-load anything.

Anywhere that accepts Visa or Mastercard — which is essentially everywhere. Use it for restaurants, online shopping, travel bookings, utility bills, and more. The virtual card works with Apple Pay and Google Pay for contactless payments.

Yes! Your virtual card works for both in-store and online purchases. Simply enter the card details at checkout just like any other card.

Open the app, tap 'Create Group', give it a name (like 'Europe Trip' or 'Flat Expenses'), and invite members via link, email, or phone number. Each member will get their own virtual card for the group.

Yes! You can adjust split ratios at any time, even after a payment has been made. This is perfect for situations where you need to reimburse someone or adjust for a one-off expense.

All group members need to have PayaGo installed and linked to a bank account. When you invite someone, they'll receive a link to download the app and join your group.

Absolutely! You can create and join as many groups as you need. Each group has its own wallet, virtual card, and transaction history.

Absolutely. We partner with FCA-regulated institutions and use PCI-DSS Level 1 security — the same standard used by major banks. Your bank details are encrypted and tokenized.

No — that's super private stuff that we keep under locks. No one can see the balance on your account - not even us. Purchases from your bank account can only be made within the ratio splits and limits you set.

You can instantly freeze your virtual cards from any device by logging into your account. Contact our support team and we'll help you secure your account.

Yes! The Personal plan is completely free and includes everything most users need. We offer Premium and Business plans with additional features for power users and organizations.

No transaction fees on any plan for standard domestic payments. International payments may incur a small FX fee at interbank rates — no markup.

You can close your account at any time from the app settings. Make sure all pending transactions are settled and your balance is zero before closing.