Split without limits
People, expenses and currencies are unlimited on Waves Free.
Explore the comparisonWaves vs Google Pay split
Waves vs Google Pay split. Split expenses.
Not your freedom.
Unlimited people and expenses for free. Settle with UPI, scan receipts, and keep everyone in sync.
- Unlimited people and expenses
- Free forever plan
- Settle with UPI
- Works globally
COMPARISON
See the difference
Compare the features, free plans and ways to settle.
Waves
Your shared expenses, together.
Google Pay split
Compared from public sources.
| Feature | Waves | Google Pay split |
|---|---|---|
| What it is | A dedicated expense-splitting app | A feature inside a payments app |
| Price | Free forever. Pro is ₹79/month or ₹699/year in India; other countries priced in the app store | Free app; no split-specific fee listed |
| Settling up | Opens your UPI app with the exact amount. For PayPal it opens a payment link; for Venmo, PayNow, Pix and others it shows the payee details to copy. Waves never holds money | Settles through Google Pay to the bill creator's linked bank account, as Google's help page describes. UPI collect requests were reported discontinued from October 2025, so check the app |
| Multi-currency | Every ISO 4217 currency, free. Fix the rate per bill, person or trip | Not listed |
| Works offline | ✓ | Not listed |
| Receipt scanning | Yes: 2 credits a scan on Free, 300 scans a month on Pro | Not listed |
| Voice entry | English, Hindi, Tamil, Arabic and Hinglish: 1 credit per AI command on Free, 100 a month on Pro | Not listed |
| Data export | JSON, CSV and PDF. On Free an export costs 6 credits | Not listed |
| Languages | English, Hindi, Tamil and Arabic (right to left) | English plus 12 Indian languages including Hindi and Tamil, on iOS |
| Privacy | Never sold. The shared ledger is on our server and is not end-to-end encrypted | Only the bill creator sees each person's payment status |
Competitor details from their public sites and app-store listings as of 25 October 2026; trademarks belong to their owners. "Not listed" means we did not find it in the sources we checked, not that it is missing. Plans and prices change, so check their site before you decide.
Last checked October 2026. Scroll horizontally on smaller screens to compare all columns.
Pay your way
Waves opens your UPI app with the exact amount. Waves never holds money.
See how settling worksBring your history
Create a group in Waves and add the same people.
See the move guideSwitch in 3 simple steps
Use Waves alongside Google Pay
- 1
Start with your group
Create a group in Waves and add the same people.
- 2
Bring it into Waves
Add expenses as they happen, in any currency, even offline.
- 3
Continue in Waves
When it is time to settle, tap the amount; Waves opens your UPI app with the exact amount and the payee filled in.
Ready for your next shared expense?
Make the switch to Waves
Keep your groups, expenses and balances together.
- Unlimited people and expenses
- Free forever plan
- Settle with UPI
- Works globally
Why people switch to Waves
History and comments
Waves keeps a running balance, a full edit history and comments on every expense, per group, across trips and flats.
Any currency, offline
Record spend abroad, even with no signal, set the rate, and settle later.
Use it with Google Pay
Waves does not replace Google Pay. It works out who pays whom, then opens your UPI app, Google Pay included, with the amount.
Google Pay in India lets members of a group chat track shared expenses and settle with one tap inside the payment app.
Waves is a dedicated ledger: any currency, offline-first, receipt scanning, voice and export, handing the final payment to Google Pay or any UPI app.
Where Google Pay split is better
Everything in one app
If everyone already uses Google Pay, tracking and paying in the same place is simpler.
Indian-language coverage
Google Pay lists 12 Indian languages; Waves has Hindi and Tamil.
Direct payments
Google Pay moves the money itself. Waves never holds or moves money.
Frequently asked questions
Does Waves replace Google Pay?
No. Waves tracks and splits; payments happen in your UPI app, Google Pay included.
Is Google Pay split still available?
Google India support pages document group expense tracking as of our check, but UPI collect requests were reported discontinued from October 2025, so check what the app offers today.
Do my friends need Waves?
They can open a group by link in a browser without an account, with time-limited guest access.
Can Waves settle with people outside India?
UPI opens your payment app with the amount. For PayPal it opens a payment link, and for Venmo, PayNow, Pix and others it shows the payee details to copy. Waves never holds the money.
Compare Waves with
Sources
- Google Pay India: group expenses (checked 25 October 2026)
- Report on NPCI ending UPI collect requests (Oct 2025) (checked 25 October 2026)
- Google Pay India: split a bill (checked 25 October 2026)
- Google Pay on the App Store (India) (checked 25 October 2026)
Competitor details from their public sites and app-store listings as of 25 October 2026; trademarks belong to their owners. "Not listed" means we did not find it in the sources we checked, not that it is missing. Plans and prices change, so check their site before you decide.
Waves details: free plan and Pro features as described in the app and on this site; Pro-only items are marked. See something out of date? Write to hello@wavs.co.in.