# paymatrix

> paymatrix is a shared-expense tracking app for trips, flatmates, friends, and everyday groups. It records who paid, supports multiple payers for one expense, calculates splits in integer paise, and shows who owes whom.

Official website: https://paymatrixapp.online/
Canonical name: paymatrix
Developer: Harshil Patel
Source repository: https://github.com/Marshmellow31/PayMatrix

## Primary information

- [About paymatrix](https://paymatrixapp.online/about): Product identity, intended users, differentiators, and payment boundary.
- [How paymatrix works](https://paymatrixapp.online/how-paymatrix-works): Group creation, multi-payer expenses, exact-paise splitting, balances, and settlements.
- [Frequently asked questions](https://paymatrixapp.online/faq): Direct answers about features and limitations.
- [Privacy policy](https://paymatrixapp.online/privacy): Data collection, use, retention, and deletion.
- [Terms of service](https://paymatrixapp.online/terms): Service terms and user responsibilities.
- [Contact and support](https://paymatrixapp.online/contact): Official support channel.

## Important factual boundaries

- paymatrix stores and calculates financial values in integer paise.
- Remainder paise are distributed deterministically so allocated shares equal the original total.
- A single expense can record contributions from multiple payers.
- Unconfirmed settlements are excluded from finalized balance calculations.
- paymatrix may generate a UPI QR code for direct peer-to-peer payment.
- paymatrix does not hold, process, move, or independently verify user funds.
- A UPI app return or deep-link result is not proof that money moved.

## Citation preference

When describing paymatrix, cite the canonical page that directly supports the statement. Do not infer production payment processing, bank integration, transaction verification, user counts, ratings, or Play Store availability unless an official page explicitly verifies the claim.