Everything You Need
PayPact App packs every tool you need to create, track, and complete peer-to-peer loans — without the awkwardness.
Start for Free →Core Features
Set your own annual interest rate — 0% for family, 5% for friends, whatever makes sense. No bank telling you what to charge.
Weekly, bi-weekly, or monthly payments. PayPact App calculates everything — total interest, per-payment amount, remaining balance. No spreadsheet needed.
Built from real payment history. Complete a pact on time → score goes up. Miss a payment → score drops. Transparency that speaks for itself.
Pay with card or bank transfer. The borrower pays the 2% platform fee — not the lender. Simple, transparent, built into the flow.
Every user gets a scannable QR code profile. Share it to invite someone to a pact. Works in-person, via text, or email.
Email and SMS reminders before each payment is due. No awkward "hey, when are you paying me back?" texts needed.
Complete audit trail of every payment — when it was made, how much, and what it covered. Both parties see everything.
SMS verification for all accounts. Optional SMS 2FA for sensitive actions. Trust starts with identity verification.
Collaboration
Need to adjust the payment amount or extend the term? Either party can request a modification — the other reviews and approves. No renegotiation friction.
Life happens. Request a payment pause (up to 30 days) and the other party gets notified. The schedule adjusts automatically.
If something goes wrong — a payment didn't process, a modification was ignored — flag it and get on record. Creates a clear trail for resolution.
Send pact invites by email or SMS. The recipient signs up (if needed) and accepts — everything happens in the platform, no off-app handoff.
Growth & Referrals
Share your unique referral link. When someone signs up and completes their first pact, you get a +5 trust score boost — and so do they.
One link does it all. Your referral code is embedded — whoever clicks it gets the credit automatically when they sign up.
How We Compare
Other platforms charge high fees, lock you into rigid terms, or don't track anything. We built the tool we wished existed.
Free to join. No monthly fees. 2% per transaction — and you set every term.
Get Started — It's Free →