Software Alternatives, Accelerators & Startups

ProPay VS Split by TheSmartCode

Compare ProPay VS Split by TheSmartCode and see what are their differences

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ProPay logo ProPay

ProPay is a multiple payment making service provider that lets its users to make payment to anyone in any part of the world.
Split shared expenses fairly with friends, family, roommates, or travel groups. Fast, simple, browser-based, and available in 25 languages - no complicated setup, no app installation, just clear results.
  • ProPay Landing page
    Landing page //
    2023-07-05
  • Split by TheSmartCode
    Image date //
    2026-07-06
  • Split by TheSmartCode
    Image date //
    2026-07-06
  • Split by TheSmartCode
    Image date //
    2026-07-06
  • Split by TheSmartCode
    Image date //
    2026-07-06
  • Split by TheSmartCode
    Image date //
    2026-07-06
  • Split by TheSmartCode
    Image date //
    2026-07-06

Split.thesmartcode.de is a simple and fast web app for splitting expenses fairly with friends, family, roommates, or travel groups. Whether you are sharing costs for a trip, dinner, household bills, or a group activity, Split helps you calculate who paid what and who owes whom - without complicated setup.

The app is available in 25 languages, making it easy to use internationally and across mixed-language groups. It works directly in the browser, so users can quickly create a split, enter expenses, and understand the result without installing an app.

Split is designed to be lightweight, accessible, and practical: no unnecessary features, no confusing interface, just a clear way to divide shared costs fairly.

ProPay

Platforms
-
Release Date
-
Startup details
Country
United States

Split by TheSmartCode

Platforms
Windows Linux Android iOS Web Mobile Desktop SaaS Mac Browser
Release Date
2026 June

ProPay features and specs

  • Security
    ProPay offers robust security features, such as tokenization and end-to-end encryption, to ensure sensitive financial information is protected.
  • Variety of Payment Options
    ProPay supports multiple payment methods, including credit cards, debit cards, and electronic checks, making it versatile for different business needs.
  • Integration
    ProPay can be integrated with various e-commerce and accounting platforms, facilitating seamless business operations.
  • Mobile Payment Solutions
    ProPay provides mobile payment solutions that allow businesses to accept payments on-the-go, enhancing flexibility and convenience.
  • Customer Support
    ProPay offers reliable customer support to assist users with any issues or queries they may have.

Possible disadvantages of ProPay

  • Fees
    ProPay's fee structure can be complex and might be higher than some competitors, which could be a drawback for small businesses.
  • Limited International Presence
    ProPay primarily operates in the United States, which might not be suitable for businesses with significant international transactions.
  • Account Reserves
    Some users report that ProPay requires reserve balances to mitigate risk, which could potentially tie up funds for businesses.
  • User Interface
    The user interface of ProPay's platform can be less intuitive compared to some modern competitors, which might result in a steeper learning curve.
  • Withdrawal Times
    The time it takes to transfer funds from ProPay to a bank account can be longer than expected, which can affect cash flow for businesses.

Split by TheSmartCode features and specs

  • No Registration Required
    Users can create and join expense groups instantly without signing up, entering an email address, or creating a password.
  • Real-Time Expense Sharing
    Expenses are synced live, so everyone in the group can see updates immediately in the browser.
  • Automatic Settlement Calculation
    Split calculates who owes what and shows the easiest way to settle shared costs fairly.
  • Anonymous Groups
    Groups can be used without personal accounts, making Split lightweight and privacy-friendly.
  • Browser-Based App
    Works directly in the browser without installing an app.
  • Shareable Group Links
    Users can invite others simply by sharing a group link.
  • Multi-Person Expense Tracking
    Ideal for trips, roommates, couples, families, events, and group gifts.
  • Privacy-Friendly Data Handling
    Inactive groups are automatically deleted after 21 days to reduce unnecessary data storage.
  • Mobile-Friendly Design
    Optimized for quick use on smartphones, tablets, and desktops.
  • Free to Use
    Split is available as a simple and accessible web app for everyday expense sharing.

Analysis of ProPay

Overall verdict

  • ProPay is generally regarded as a good option for businesses needing straightforward and secure payment processing solutions. Its range of features, ease of use, and security measures make it a popular choice for many merchants.

Why this product is good

  • ProPay is considered a reliable payment processing platform due to its comprehensive suite of services designed for small to medium-sized businesses, including secure credit card processing, mobile payments, and e-commerce solutions. It also integrates with various platforms and offers features like fraud protection and account management.

Recommended for

  • Small to medium-sized businesses
  • E-commerce retailers
  • Mobile merchants
  • Service providers seeking integrated payment solutions

Analysis of Split by TheSmartCode

Overall verdict

  • Split by TheSmartCode appears to be a niche or lesser-known utility tool, and without access to live data or verified user reviews, a definitive quality assessment cannot be confidently provided. If you're considering it, review its specific features, check for user feedback, and verify security practices before relying on it for important tasks.

Why this product is good

  • It may offer a specific utility function such as splitting files, bills, or data, which could be convenient for its target use case
  • Being a smaller or independent tool, it might have a simpler, more focused interface compared to bloated alternatives
  • It could be free or low-cost compared to enterprise-level solutions
  • Independent developer tools sometimes offer faster updates or more responsive support

Recommended for

  • Users looking for a lightweight, specific-purpose tool rather than a full-featured suite
  • Developers or tech-savvy users comfortable evaluating lesser-known tools independently
  • Those who have found specific positive references or recommendations for this tool from trusted sources
  • Users who prioritize simplicity over brand recognition, provided they verify safety and functionality first

ProPay videos

ProPay App Walkthrough

More videos:

  • Review - ProPay and Mary Kay Make Sense

Split by TheSmartCode videos

No Split by TheSmartCode videos yet. You could help us improve this page by suggesting one.

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Category Popularity

0-100% (relative to ProPay and Split by TheSmartCode)
Online Payments
100 100%
0% 0
Finance
95 95%
5% 5
Web App
0 0%
100% 100
Payment Platform
100 100%
0% 0

Questions & Answers

As answered by people managing ProPay and Split by TheSmartCode.

Why should a person choose your product over its competitors?

Split by TheSmartCode's answer:

People should choose Split because it removes the friction that many expense-splitting apps still have. There is no registration, no email address, no password, and no app download required. Users can simply create a group with one click, share expenses in real time, and instantly see the easiest way to settle up.

Split is especially useful for people who want a fast, lightweight, and privacy-friendly solution for trips, shared apartments, couples, events, or group gifts. It focuses on the core problem - splitting costs clearly and fairly - without unnecessary complexity or personal data collection. Inactive groups are automatically deleted after 21 days, which keeps the tool clean and reduces long-term data storage.

Which are the primary technologies used for building your product?

Split by TheSmartCode's answer:

Split is built as a lightweight web application using modern frontend technologies such as HTML, CSS, and JavaScript. For real-time data synchronization, Split uses Supabase, which allows group members to see new expenses and updates instantly.

The technical focus behind Split is simplicity, speed, and accessibility: users can open it directly in the browser, create a group with one click, and collaborate in real time without installing an app or creating an account.

What makes your product unique?

Split by TheSmartCode's answer:

Split is unique because it makes shared expense tracking instantly accessible. Users can create a group with one click, add expenses in real time, and calculate who owes what without creating an account, entering an email address, or downloading an app.

Unlike many expense-splitting tools, Split is designed to be lightweight, anonymous, and privacy-friendly. It is ideal for vacations, road trips, shared apartments, couples, events, and group gifts. Inactive groups are automatically deleted after 21 days, keeping the app clean and reducing unnecessary data storage.

How would you describe the primary audience of your product?

Split by TheSmartCode's answer:

Split is primarily built for people who need a quick, simple, and privacy-friendly way to share expenses with others. Its main audience includes friends traveling together, roommates, couples, families, event organizers, and groups buying shared gifts.

It is especially useful for users who do not want to create an account, install an app, or share personal information just to split costs. Split is designed for people who value speed, simplicity, anonymity, and clear settlement calculations.

What's the story behind your product?

Split by TheSmartCode's answer:

Split was created from a simple everyday problem: sharing expenses with a group should not require signing up, installing an app, or handing over personal information.

Many existing expense-splitting tools are powerful, but they often add friction for quick situations like vacations, road trips, shared apartments, events, or group gifts. Split was built to make the process as simple as possible: create a group, add expenses, share the link, and see who owes what.

The goal behind Split is to offer a lightweight, privacy-friendly alternative that focuses only on what people actually need when splitting costs: speed, clarity, real-time collaboration, and an easy way to settle up fairly.

Who are some of the biggest customers of your product?

Split by TheSmartCode's answer:

Split is currently used by individual users and small private groups rather than publicly listed enterprise customers. Since the app works anonymously without registration or user accounts, Split does not track or showcase named customers. Its primary users are friends, couples, roommates, families, travel groups, and event organizers who want to split expenses quickly and privately.

User comments

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What are some alternatives?

When comparing ProPay and Split by TheSmartCode, you can also consider the following products

PayPal Braintree - An all-in-one solution to accept, process, and split payments in your mobile app or online - from small business to large enterprise.

Splitwise - Splitwise is a free tool for friends and roommates to track bills and other shared expenses, so that everyone gets paid back. On the web, iPhone, and Android!

ACE Money Transfer - ACE Money Transfer is a web-based money transfer service for sending money easily and in a hassle-free mode.

Transfast - Transfast is one of the most reliable means for transferring money to anyone living abroad.

XE.com - XE.com Inc. (XE) is a Canadian online foreign exchange services company.

Currencies Direct - Currencies Direct is a web based money-transferring platform that offers its money transfer services at the best exchange rate.