Software Alternatives & Startups

Settle Up VS flatpass

Compare Settle Up VS flatpass and see what are their differences

Settle Up

SETTLE UP is an indispensable app for friends and flatmates who need to keep track of shared bills...

Rating
0 reviews
flatpass

Sell Discord roles as subscriptions on your own Stripe, set up in four steps. Free up to 15 paying members, then a flat fee. 0% of sales.

Rating
0 reviews
Pricing
Freemium
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Which is more popular?

Based on our record, Settle Up seems to be more popular. It has been mentioned 1 time since March 2021.

social mentions
1 vs 0
Personal Finance popularity
100% vs 0%
alternatives listed
163 vs 10

Base details

Website, pricing, platforms and company facts side by side.

Settle Up
flatpass
Website settleup.io flatpass.io
Pricing —
Platforms —
Web
Company — Startup from Germany · 1 - 9 employees · 2026
Listed in

About Settle Up and flatpass

In their own words, as submitted to SaaSHub.

Settle Up
flatpass

No description of Settle Up yet.

flatpass sells Discord roles as subscriptions on your own Stripe account. Members pay on an invite page in your server's own look, or from a price card you pin inside Discord, and the bot gives them the role the moment they pay. Flat pricing, never a percentage. Free up to 15 paid members,...

Read more about flatpass

Features and specs

What each product offers, as listed by its team.

Settle Up 5 features
flatpass 21 features
  • User-Friendly Interface
    Settle Up features an intuitive and easy-to-navigate interface, making it simple for users of all technical abilities to manage expenses and track payments among friends, family, or colleagues.
  • Multi-Platform Availability
    The app is available on multiple platforms, including iOS, Android, and web, allowing users to access and update their accounts from various devices seamlessly.
  • Currency Support
    Settle Up supports multiple currencies, which is ideal for travelers or groups of friends and family in different countries needing to manage expenses accurately.
  • Offline Functionality
    The app allows users to add and edit transactions offline, syncing changes once internet connectivity is restored, enabling expense management on-the-go without interruption.
  • Group Expense Tracking
    Settle Up facilitates the tracking of shared expenses by allowing users to create groups, making it easier to split bills and settle debts among group members.

Possible disadvantages

  • Limited Financial Tools
    The app mainly focuses on tracking expenses and lacks more comprehensive financial tools, such as budget planning or financial goal setting, which might be desired by users looking for more robust financial management features.
  • Ads in Free Version
    The free version of Settle Up includes advertisements, which might be distracting or annoying for users, though there is an option to upgrade to a paid version to remove ads.
  • Dependency on Group Members
    The effectiveness of Settle Up largely depends on the active participation of all group members involved in the expenses, which can be a drawback if not everyone is keeping their entries up to date.
  • Privacy Concerns
    Sharing financial data, even among friends and family, raises privacy concerns for some users who might prefer not to have their spending habits monitored by others, regardless of the app's security measures.
  • Data Sync Delays
    Users may occasionally experience delays in data syncing across devices, leading to temporary discrepancies in expense tracking, though this is generally resolved once syncing is completed.
  • Automatic role assignment
    Members pay, the bot grants their Discord role instantly. A buyer who isn't in your server yet is added with it. No manual verification.
  • Automatic role removal
    The role comes off when a subscription ends, is refunded or charged back. It stays while Stripe retries a failed renewal.
  • Hosted invite page
    A subscription page in your server's own look (name, icon and colours) builds itself from your roles and pricing. No code.
  • Price card in Discord
    Post a card in any channel and pin it: each plan gets a button with its price, and the card updates when you change one.
  • Checkout links
    Every plan has its own link that opens checkout directly, for your website, bio or anywhere else you post.
  • Invite Page Analytics
    Visitors, page views, clicks on your checkout links and conversion rate, by referral source, region and device, plus taggable campaign links to track individual shares.
  • 0% of sales
    Never a percentage cut. You keep every dollar after Stripe's own processing fee.
  • Flat monthly tiers
    Free up to 15 paid members. $29 up to 80 paid members, $79 up to 200 paid members, $149 for up to 750 paid members, and uncapped for $399.
  • All features on every tier
    Tiers meter community size only. Nothing is gated behind a higher plan.
  • Multiple tiers per server
    Run a $5 supporter role and a $25 premium role from the same server.
  • Your own Stripe account
    Payments settle directly in your Stripe via Connect Standard, never a platform balance.
  • Flexible biling periods
    Monthly, quarterly, every six months or yearly, each priced as you choose.
  • Free trials
    Members get their role immediately, with the first charge days later. Set the length per server.
  • Promo codes
    Members type a code on your invite page before checkout.
  • Roles with no price
    Give a role away on sign-up. Those members never count toward the 15-member free cap.
  • Cards, Apple Pay, Google Pay
    Enabled automatically through Stripe — no separate payment setup.
  • Local currency checkout
    Members see and pay in their own currency where Stripe supports it.
  • You own your customer data
    Emails, payment history, and the customer relationship stay in your Stripe.
  • One-click OAuth, no API keys
    Authorize via Stripe Connect. flatpass never asks for or stores your Stripe secret key.
  • Worldwide sellers
    EU-based, works with Stripe accounts in any country Stripe supports.
  • Cancel anytime
    No setup fee, no contract. Keep access through the period you've paid for.

Videos

Walkthroughs and reviews on video.

Settle Up 3 videos + Add
flatpass 0 videos + Add

Settle Up - hisab rakhna hua aasan

More videos

  • - Settle Up - iOS and Android app for organizing group expenses
  • - Settle UP - mobile APP for shared expenses

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

Category popularity

How often each product is chosen within a category, 0–100% relative to the other.

Score bands 0–20 21–40 41–50 51–60 61–100
Settle Up
flatpass
100% 100%
0% 0%
0% 0%
100% 100%
100% 100%
0% 0%
0% 0%
100% 100%

Questions & Answers

As answered by people managing Settle Up and flatpass.

What makes your product unique?

flatpass's answer:

flatpass is built on the premise that the payment relationship belongs to you, not the platform.

Payments settle into your own Stripe account through Stripe Connect Standard. Not a platform balance you withdraw from on someone else's schedule — your account, your balance, instant settlement, no rolling reserves or minimum payout thresholds. Your customers, their payment history, and your ability to email them are yours from the first sale. Revoke the connection whenever you like and you keep every bit of it.

Everything else follows from that. The invite page is a real hosted checkout, not a bot DM — members see your tiers, pay with cards, Apple Pay, or Google Pay in their own currency, and get their role instantly. Renewals, failed payments, and cancellations are handled without you touching anything.

And because flatpass isn't processing your money, it doesn't need a cut of it. Free up to 15 paid members, then a flat monthly tier metered on community size — never a percentage of your sales, at any volume.

How would you describe the primary audience of your product?

flatpass's answer:

Discord community owners who already have an audience and are monetizing access to it — trading and investing groups, creator and fan communities, coaching and cohort programs, professional and industry servers, gaming communities with supporter tiers, and study or skills groups.

The common thread is that members are already arriving through the owner's own channels: a following, a mailing list, a podcast, an existing free server. These owners don't need discovery — they need billing and role management that doesn't scale its price with their success.

flatpass is free up to 15 paid members, so it costs nothing to start — and past that, a flat tier replaces a percentage that would otherwise grow with every sale. It's built for owners who want to keep the Stripe account, customer data, and payment relationship in their own hands rather than on a platform. EU-based, with sellers in any country Stripe supports.

Why should a person choose your product over its competitors?

flatpass's answer:

Your Stripe, not a platform balance. Several competitors mention Stripe, but the account is often theirs. With Stripe Connect Standard the account is yours — instant settlement, no rolling reserves, no withdrawal fees, and the customer relationship stays with you if you leave.

No API keys. flatpass authorizes through Stripe Connect Standard — an OAuth grant you approve in your own Stripe dashboard and revoke there in one click. Some Discord payment bots instead ask you to paste your Stripe secret key into their dashboard. That key is unscoped: it can charge, refund, read your entire customer list, and change payout details, and the only way to revoke it is to rotate it. Stripe's own guidance is not to share secret keys with third parties. flatpass never asks for one and has nothing of yours to leak.

A product that feels finished. A hosted invite page rather than a bot DM flow, local-currency checkout, monthly, quaterly, six-monthly or yearly billing, with multiple role tiers per server, and a public status page. Every feature is on every tier — nothing is held back for a higher plan.

User comments

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Reviews and articles

External articles and on-site reviews we used to compare the two products.

Settle Up no reviews yet
flatpass no reviews yet

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Social recommendations and mentions

Recommendations tracked on public social media and blogs since March 2021.

Settle Up 1 mention
flatpass 0 mentions

Tracking flatpass since Aug 2026.

Alternatives to Settle Up and flatpass

When comparing Settle Up and flatpass, you can also consider the following products.