A handshake, written down
Money lent, the drill you borrowed, the airport pickup you owe. PayBack turns everyday IOUs into clear agreements with due dates and a repayment history.
Money
Lend or borrow with partial repayments
Items
Know who has your things, and when they're back
Favors
Return the favor, or pay it forward
Getting paid
Send them a link. They read the terms, sign, and you both watch the balance come down — no app, no account, no chasing.
Share the link
Text the agreement in one tap
They sign
A timestamped, on-the-record yes
Log repayments
Straight into your agreement timeline
Add a tip, a “buy me a coffee” thank-you, or a late fee that grows — it rides on top of the balance automatically.