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What you owe, and to whom

At the bottom of the CheckPie, You owe [name] shows each amount you still have to pay, and [name] owes you each amount coming back to you. These are net figures. finerd takes everyone’s shares and everyone’s payments and reduces the whole table to the fewest transfers that settle it — so you usually owe one person, not four, and nobody sends money in a circle.

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Paying your share

Where the other person has set up a way to be paid, Pay with appears carrying their methods, Apple Pay among them where it’s available. Tap it to pay through one. If they haven’t set anything up, that button simply isn’t there and you settle up however you normally would. Then record what happened:
  • Paid in cash — you handed over cash. With nothing to pay through, this button reads Mark as paid instead.
  • Pay later — leaves the amount open and flags it as still owed. The row then reads I’ll pay later.
Both are reversible. A recorded payment shows [amount] marked as paid with a Transfer / Cash toggle to correct how it was paid, and Undo to take it back.

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Keep the balance in Apple Wallet

Choose Pay later on an iPhone or iPad and finerd offers a Wallet card: Keep this in Apple Wallet? The card shows what you still owe that person, updates itself whenever the balance changes, and notifies you when it does — no app and no account required. Tap Add to Apple Wallet to keep it, or Not now to skip.
The card is for people without a finerd account. It’s offered only after Pay later, only on an Apple device, and never to anyone signed in to finerd — the card exists to give a guest somewhere for the balance to live, and a finerd account already is that.
See Track Apple Pay payments if you also want your own Apple Pay spending landing in finerd automatically.

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Collecting what you’re owed

For an amount coming to you, you get two buttons:
  • Mark as paid — they’ve paid you; the amount is closed.
  • Track as debt — they haven’t, and you want it recorded. The row then reads [amount] tracked as debt, with Undo.

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Turning shares into debts in finerd

Amounts inside a CheckPie stay inside it until you sync. Choose Sync with finerd transaction and finerd writes the transactions and categorises every line of the receipt — allow up to a minute. If anyone in the split isn’t a debtor in your finerd space yet, they’re matched first, under Link people to existing debtors or create new ones; when everyone already is, the sync just runs. For each person, Select debtor attaches the share to someone you already track, or Add as new creates a debtor for them. Linking to an existing debtor keeps everything that person owes you in one place across bills. Keep editing afterwards if you need to — Update transaction pushes the changes across. Nothing is ever locked.

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If you don’t have finerd

Guests see an invitation to track the debt in finerd instead. Your side of the split works fully without an account; finerd just gives you somewhere for the balance to live once the CheckPie is closed.

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Further reading