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Splitwise VS flatpass

Compare Splitwise VS flatpass and see what are their differences

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!

Rating
0 reviews
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Alternatives Is it good?
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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Alternatives Is it good?
BuyKeep by PlenDesk
Organize purchase receipts, track warranty deadlines, and download a searchable offline copy with your photos and PDFs. sponsored
Note: These products don't have any matching categories. If you think this is a mistake, please edit the details of one of the products and suggest appropriate categories.

Which is more popular?

Personal Finance popularity
100% vs 0%
alternatives listed
240+ vs 10

Base details

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

Splitwise
flatpass
Website splitwise.com flatpass.io
Pricing —
Freemium Official pricing
Platforms —
Web
Company — Startup from Germany · 1 - 9 employees · 2026
Listed in
Personal Finance Expense Tracking Bill-Splitting Apps Finance +1
Discord Bots Membership Management Content Monetization Bots Discord Community Management Community Platform +4

About Splitwise and flatpass

In their own words, as submitted to SaaSHub.

Splitwise
flatpass

No description of Splitwise 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.

Splitwise 7 features
flatpass 21 features
  • User-Friendly Interface
    Splitwise provides an intuitive and easy-to-navigate interface, making it straightforward for users to add expenses, keep track of debts, and settle up.
  • Multi-Platform Availability
    Available on the web, iOS, and Android, Splitwise ensures users can access and manage their expenses from almost any device.
  • Expense Tracking
    The app allows users to easily log and categorize expenses, which can be particularly useful for group trips, shared households, or any shared financial responsibility.
  • Flexible Split Options
    Users can split expenses equally, by percentages, shares, or custom amounts, providing flexibility in how costs are divided among group members.
  • Currency Conversion
    Splitwise supports multiple currencies, which is handy for international travel or groups with members from different countries.
  • Bill Reminders
    The app sends reminders for outstanding balances, helping users to stay on top of their payments and avoid forgotten debts.
  • Integration with Payment Platforms
    Splitwise can integrate with payment platforms like PayPal and Venmo for easy settlement of balances.

Possible disadvantages

  • Privacy Concerns
    Since Splitwise involves sharing financial information with others, there could be privacy concerns for those unwilling to share detailed expense data.
  • Subscription-Based Features
    Some advanced features, such as expense exporting and additional integrations, require a Splitwise Pro subscription.
  • Manual Entry Requirement
    Splitwise requires users to manually enter expenses, which could be time-consuming and prone to errors if not done diligently.
  • Limited Automatic Reconciliation
    While Splitwise helps track who owes whom, it does not automatically reconcile or pay off balances, leaving users responsible for manual payment.
  • Dependency on Group Honesty
    The accuracy of the expense records relies on the honesty and diligence of all group members, which may not always be reliable.
  • Potential for Confusion
    The various options for splitting bills (equally, by shares, etc.) can sometimes lead to confusion or disputes among users over what is fair.
  • 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.

Analysis

An editorial look at what each product does well and who it suits.

Splitwise
flatpass

Overall verdict

  • Splitwise is a highly effective tool for managing shared expenses, especially if frequent splitting of costs is involved. Its features make it easy to track who owes what, and its automatic calculations save time and reduce errors.

Why this product is good

  • Splitwise is popular because it simplifies sharing and tracking expenses among groups, making it ideal for roommates, friends on trips, or any group spendings.
  • It automatically calculates balances and reminds users about payments, reducing the awkwardness of asking others for money.
  • Offers a user-friendly interface both on web and mobile apps, which makes managing expenses convenient and accessible.
  • Supports multiple currencies, which is great for international travel groups.
  • Integration with payment platforms like PayPal and Venmo for easy settlement of debts.

Recommended for

  • Roommates who need to regularly split household bills and expenses.
  • Groups of friends or families who often travel together and need to manage shared travel costs.
  • Colleagues or classmates working on projects or events that require shared funding.
  • Anyone who wants to avoid the hassle of manually tracking and settling shared expenses.

No analysis of flatpass yet.

Videos

Walkthroughs and reviews on video.

Splitwise 3 videos + Add
flatpass 0 videos + Add

Splitwise - iPhone App Review! [2020]

More videos

  • - Tricount vs Splitwise - App comparison
  • - Splitwise Demo

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
Splitwise
flatpass
100% 100%
Personal Finance
0% 0%
0% 0%
Membership Management
100% 100%
100% 100%
Expense Tracking
0% 0%
0% 0%
Content Monetization
100% 100%

Questions & Answers

As answered by people managing Splitwise 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.

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