Split the bill
GCC Style.
Bring you the simplest way to track shared expenses and settle balances instantly. Proudly selected by Motawer 2025.
Track all group expenses in real-time
Know exactly who owes what, instantly
Settle balances with one tap
Multi-currency support (KWD, SAR, AED, USD and more)
Designed to make every shared payment effortless — anytime, anywhere in the GCC.
Coming Soon
The Problem: Splitting expenses is still messy!
Group expenses shouldn't damage our social relationships! In Kuwait and across the GCC, friends and families share costs for trips, gatherings, chalets, group orders, and more.
But tracking who paid, who owes what, and settling balances usually happens on WhatsApp, Excel sheets, or "later inshallah" — which leads to confusion, delays, and sometimes tension between people.
WhatsApp Chaos
Lost messages, unclear amounts, endless back-and-forth
Excel Headaches
Manual calculations, version confusion, nobody updates it
"Later Inshallah"
Forgotten debts, awkward reminders, strained friendships
HessaPay: Simplified social finance!
No more spreadsheets. No more awkward messages. Just simple, transparent expense tracking that works the way you and your friends actually split costs.
Create Circle
Set up a group for your trip, event, or ongoing expenses
Add Expenses
Log who paid what — snap a receipt or enter it manually
Settle Up
See who owes what and settle up the payments!
Repeat
Keep the circle active for future expenses or close it when done
Built for the way you live
Everything you need to track shared expenses and settle balances seamlessly across the GCC.
Create Unlimited Circles
For different groups (trips, friends, roommates)
Jamiya Pools
BETADigital rotating savings groups with friends and family
Qard Hasan
BETATrack interest-free loans aligned with Islamic finance
Automatic Balance Calculation
Add expenses and we handle all the math automatically (no math needed)
Multi-Currency Support
KWD, SAR, AED, USD and more
Smart Reminders & Notifications
Choose when and how you're reminded
AI-Powered Receipt Scanning
Take a picture of any receipt and let AI do the data entry
Bank-Grade Security
Your financial data is encrypted and protected with industry standards
Smart Tracking
Real-time balance updates and expense history at your fingertips
Available on Mobile and Web
Track expenses on the go with our mobile app, or manage everything from your browser on any device
Flexible Split Options
Split equally, by percentage, by shares, or exact amounts — your choice
Expense Categories
Organize expenses by category — food, transport, rent, and more
Export & Reports
Download expense reports as PDF or CSV
Recurring Expenses
Set up monthly rent, subscriptions, or regular splits automatically
Offline Mode
Add expenses even without internet — syncs when you're back online
AI-Powered WhatsApp Bot
Track expenses without opening the app
Just message the HessaPay bot on WhatsApp — it tracks expenses, calculates balances, and settles up for you. Perfect for groups who prefer to stay on WhatsApp.
- Add expenses by just sending a message
- Get instant balance summaries
- Send payment reminders to friends
- Works in Arabic and English
For Partners & Developers
Integrate HessaPay's External Session API
Simple API integration
Create group payment sessions
Automatic participant tracking
No payment handling required
Track who joined and who paid
Real-time status updates
Trusted by Kuwait's Fintech Community
Motawer 2025
Finalist
500+ Users
On Waitlist
Bank-Level
Encryption
SSL Secured
Always
Backed by Kuwait's Leading Financial Institutions
Accelerated • Recognized • Supported
Selected by Motawer 2025, hosted by the Kuwait Banking Association and supported by the Central Bank of Kuwait.
Built with Industry-Leading Technology
Trusted by the world's most innovative infrastructure.
Google ML 
Firebase ML 
Firebase Auth 
Cloudflare 
Tap Payments 
Spare Google ML Firebase ML Firebase Auth Cloudflare Tap Payments Spare Where We Are & What's Next
Phase 1: P2P Expense Tracking
Soon
Track shared expenses and settle up with friends
Phase 2: Partner Integrations
Q1 2026
Connect with restaurants, sports venues, and events
Phase 3: Payment Gateway
2026
Complete payment solutions for the GCC
For Investors: Why HessaPay?
Market Opportunity
GCC's growing digital payment sector with 40M+ young consumers seeking modern fintech solutions
Business Model
API licensing for partners, premium features for users, and transaction-based revenue streams
Traction & Validation
Motawer 2025 finalist, 500+ waitlist signups, strong community feedback from Kuwait's tech scene
Why We Win?
GCC-first, cultural fit, B2B API revenue stream, non-licensed MVP (fast to market), and a clear path to monetization
Frequently Asked Questions
Everything you need to know about HessaPay
HessaPay is currently in private beta. We're actively working with our early users to perfect the experience before a wider launch. Join our waitlist to be among the first to get access.
Our team is working hard to provide access as soon as possible to everyone on the waitlist. We'll notify you as soon as your account is ready.
We're launching in Kuwait first, followed by UAE, Saudi Arabia, and Qatar. Other GCC countries will be added based on demand and regulatory readiness.
Currently, HessaPay is an expense tracking and splitting platform. We're working on adding wallet features in upcoming phases and will notify you as soon as they're available.
Absolutely. We use bank-level encryption and follow international security standards. Your data is stored securely and we never share it with third parties without your explicit consent.
Yes, absolutely! You can use HessaPay to track and split business expenses with your team or partners with ease.
Join the Waitlist
Waitlist Bonus - Unlock HessaPro Free!
Sign up now: 1 month free instantly! Unlock up to 9 months as we hit milestones. Free tier available forever.