Split expenses with your friends in three seconds — without them creating an account. Or invoice your clients with GST/QST built in, straight from your phone. One app does both.
Free on iPhone. Android coming soon.
Cabin weekends where everyone brings food. Ski trips where you cover the gas. The family cottage where everyone chips in. Shared rent, hydro, and groceries. One app, not three separate accounts. Your friend adds an expense, the app keeps score down to the cent. Your friends? They get a text with the full breakdown — who owes what, for what. They pay you the old-fashioned way by Interac from their banking app. Built-in Interac payment is coming soon. Peace in the group chat is already here.
You pay out of pocket for work: a client lunch, supplies for your team, driving to job sites. PivoPay keeps it all in one place — no lost receipts, no forgotten claims. At month end, you send your employer a clean report and get reimbursed.
Premium — $12.99/month
You finish your day at 4 p.m. The invoice has to go out the same day. Electrician, plumber, photographer, hairdresser, freelancer: you work alone or with one assistant. PivoPay quickly generates your GST/QST invoice from your phone and sends it by text or email with a built-in payment link. Your client pays online by card. The payment is processed immediately; the money reaches your account within the next few business days.
30 days. Free. No card. At the end: either you invoice faster and get paid faster than before — or you walk, no judgment, no questions.
Send 3 invoices during your trial. If your clients don't pay you faster than they did before, email us — we extend your trial another 30 days, no strings, no questions.
Start my 30-day free trial — no card →Create a GST/QST-compliant invoice from the job site or the salon. Send by text or email with the payment link already included.
Snap a photo — PivoPay pulls merchant, date, taxes, and currency conversion. Auto-categorized for your deductions.
Roommates, trips, group dinners. One expense, one text with the breakdown — your friends never install anything.
Your work expenses, ready to submit to your employer.
GST 5% and QST 9.975% added automatically. Report ready for Revenu Québec or your accountant at month-end.
Quebec sales-tax guideBuilt in Quebec, hosted in Canada. Not the US. Not a "global cloud." Canada, full stop.
If you cancel, your data is deleted in 30 days. Written, enforced. Zero trace.
Export everything anytime. You built it. It's yours. No questions, no fees, no permanent PivoWeb access.
You're invoicing 5 to 10 clients per week. You're thinking about hiring your first employee. PivoPay does what it does well, but you need a CRM, a client portal, time tracking. That's where PivoWeb comes in. Same Quebec team. Same data. Not a system migration — a graduation. When you're ready, we're here.
Discover PivoWeb CRM →PivoPay is built for two uses: Quebec self-employed workers (electricians, plumbers, photographers, hairdressers, freelancers) who invoice clients, and anyone who wants to split expenses with friends, roommates, or family. Splitting is free forever. GST/QST invoicing starts with a free 30-day trial, then $34.99 CAD/month.
Yes. Invoices include all required fields (GST/QST numbers, date, line items, total), receipts are archived for seven years as required by the CRA, and tax reports export in the formats expected by Revenu Québec and the Canada Revenue Agency. It's not a hack — it's built for the CRA from the ground up.
On the PivoPay Pro and PivoPay Enterprise plans, your clients pay online by credit or debit card via Stripe. The payment link is included in every invoice sent by text or email. No terminal, no chequebook, no 3-day wait.
Yes. The PivoPay Pro plan exports directly to QuickBooks and Wave in one click. The Entreprise plan connects via API. You can also email your monthly CSV report to any accountant in one tap, without switching apps.
The Free plan is free forever for expense splitting. Premium is $12.99 CAD/month for employees reporting expenses. PivoPay Pro is $34.99 CAD/month for self-employed (30 days free, no card). Entreprise is $79.99 CAD/month for small businesses. All paid plans: 30-day free trial, no card required, no lock-in.
PivoPay is available free on iOS (iPhone) right now — download it on the App Store. The Android version is coming soon. No desktop version planned — PivoPay is built for your phone, not your desk.
PivoPay combines two tools in one: invoicing (like QuickBooks) and expense splitting (like Splitwise), with GST and QST built in. Unlike Splitwise, your friends never install anything or create an account — they get a text with the full breakdown of what they owe. Built-in Interac payment is coming soon. Unlike QuickBooks, the interface is designed for your phone — not an accountant sitting at a desktop.