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 for friends. 30 days free for clients. No card required.
Cabin weekends where everyone brings food. Ski trips where you cover the gas. 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 finish the job at 4 p.m. The invoice has to go out today — or the client forgets. Electrician, plumber, photographer, hairdresser, freelancer: you work alone or with one assistant. PivoPay generates your GST/QST invoice in 30 seconds from your phone, sends it by text or email with an Apple Pay payment link built in, and your money hits your Stripe account while you're packing up. No laptop. No waiting. No Stripe account to set up.
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.
GST 5% and QST 9.975% added automatically. Report ready for Revenu Québec or your accountant at month-end.
Built 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 can pay with Apple Pay or credit/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 launches on iOS (iPhone) and Android in summer 2026. Join the waitlist — we'll send you the App Store and Google Play link at launch, no card, no fees. 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.