What is splitpay?

SplitPay is a small software kit that lets developers add a bill splitting button to Indian consumer apps, such as checkout pages or group order screens, so users can ask friends to pay their share through UPI, India's popular instant payment system. The unusual part is that it needs no backend server, no database, and no API keys at all. All the information about a split, like the amount, who is collecting it, and the description, is packed directly into the web link itself, so nothing has to be stored anywhere. The flow works like this: someone taps a split payment button on a checkout page, enters their own UPI ID, and chooses how many people to split the bill with. This generates one shareable link they can send over WhatsApp or any messaging app. Each friend who opens the link sees their share of the amount and pays it directly through an app like GPay, PhonePe, or Paytm. The money moves straight from friend to friend, this project never touches or routes any of the payment itself. Technically, the split details are encoded as a small chunk of text appended after a hash symbol in the URL. Browsers never send that part of a URL to any server, so the information stays private between the person who created the link and the person who opens it. Integration for developers is meant to be simple: one component to trigger the split flow, and one page in their app that automatically reads and displays the split details from the link. The kit also exposes plain functions, with no dependencies on React or a browser, for anyone who wants to generate or read these links from custom code, including on a server. For teams who want an optional way to track who has paid, there is a separate server template they can deploy themselves. The documented limits are that it only supports Indian rupees, splits are capped at eight people, and there is no automatic way to confirm a friend actually paid, since it relies on the UPI app's own notification. The project is released under the MIT license.