Fig. 01 · The Architecture of Splitting Upfront

Four friends chip in. One card pays the bill.

Old split apps only calculate who owes whom after one person already took the hit on their credit card. Plurel collects the money first, then issues a single card for the exact total.

FIG. 1 · COLLECTIVE POOL TO SINGLE VIRTUAL CARD ALL OR NOTHING
AK $86 MC $124 SL $72 CB $118 Shared pool 4 of 4 shares in funded $400.00 Plurel card paid once Merchant
PLUREL POOL RECEIPT #0426
Weekend in Joshua Tree
Airbnb · 3 nights · Hosted by Alex K.
Alex Kim (Host)$400.00 ✓
Maya Chen (Apple Pay)$400.00 ✓
Sam Lopez (Google Pay)$400.00 ✓
Chloe Bae (Apple Pay)$400.00 ✓
CARD LOADED (•••• 4829) $1,600.00
FRONTED BY ORGANIZER: $0.00
Inside the Plurel App

From group chat “I’m in” to paid together.

Make a plan. Set the split.

Name the rental, set the total, and choose who’s coming. Split evenly or choose custom shares.

Illustrated app walkthrough. No money moves here.

New group. Lisbon flights, $2,856.40, split evenly. 4 people, $714.10 each. Create group.
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04Why We Built Plurel

We’ve been the friends who front the bill and don’t get paid back.

That’s why we built Plurel: everyone pays their share first, so no one gets stuck covering the group.

  1. 47% of Gen Z went into debt fronting a group.
  2. 76% are never fully repaid.
  3. 20% cancel plans or mute the chat to avoid paying.
Source: Zelle, Avoidance Economy Report, 2026
Fig. 02 · Built-in guardrails

Nobody gets stuck holding the bag.

Shares are held until the group fills. If it never fills, everyone gets their money back.

FIG. 2 · WHEN A GROUP NEVER FILLS ALL OR NOTHING
Shares first. Held, not spent. Card funded once. One clean charge. Group doesn’t fill Refunds by default.Every share goes back. Shares first. Held, not spent. Card funded once. One clean charge. Group doesn’t fill Refunds by default. Every share goes back.
PLUREL POOL RECEIPT #0427
Weekend in Joshua Tree
Pool closed · 3 of 4 paid before time ran out
Alex Kim (Host)$400.00 refunded
Maya Chen (Apple Pay)$400.00 refunded
Sam Lopez (Google Pay)$400.00 refunded
Chloe BaeDidn’t pay
REFUNDED $1,200.00
CARD LOADED: $0.00 · MERCHANT CHARGED: $0.00
Questions & Answers

Everything you want to know before your next group plan.

What is Plurel and how does upfront bill splitting work? +
Plurel is a consumer group payment and bill splitting app launching in Spring 2027 on iOS and Android. Instead of tracking IOUs after one person fronts the tab on their personal card, Plurel pools everyone’s share upfront and issues an instant virtual secured credit card for Apple Wallet, Google Wallet, or online checkout once 100% of shares arrive.
When does the Plurel app launch, and on which platforms? +
Plurel launches in Spring 2027 on both iOS (App Store) and Android (Google Play), with native support for both Apple Wallet and Google Wallet. Join the early-access list with your email to reserve your invite for launch day.
Do all my friends need to download the Plurel app? +
No. Only the person starting the pool needs the Plurel app. Everyone else gets a clean link in iMessage, WhatsApp, SMS, or Instagram DM where they can pay their share with Apple Pay, Google Pay, or any card.
What happens if one person never pays their share? +
Everyone gets their money back. If the pool isn’t fully paid before the timer runs out, or you cancel the plan, every share is refunded automatically to the card or account it came from.
How is Plurel different from Splitwise, Tricount, or Settle Up? +
Splitwise, Tricount, and Settle Up are post-payment IOU trackers—one person still has to put down their card and chase friends later. Plurel reverses the flow: everyone contributes their share upfront into an all-or-nothing pool, and one Plurel virtual secured credit card pays the merchant directly with zero IOUs. Compare Plurel vs. Splitwise →
Can Plurel split a bill evenly, by item, or by custom percentage? +
Yes. When creating a pool in Plurel, the organizer can split the total evenly, assign by item (with tax and tip proportioned automatically), or set custom shares for each person.
Where can we use the Plurel virtual card? +
Anywhere credit cards, Apple Pay, and Google Pay are accepted—online on Airbnb, Vrbo, Ticketmaster, SeatGeek, Delta, or Resy, and in-person by tapping your iPhone or Android phone at restaurants, bars, and stores.
What if the final dinner bill with tip is slightly less than what we pooled? +
Any unspent balance on the virtual card automatically returns pro-rata to each person who chipped in once the merchant charge settles.

Still wondering about something? contact@plurelinc.com

07Our team

The people building Plurel.

Proud member of
Techstars×USC sealUSC University
Catalyst
  1. Connor Chisick

    Connor Chisick

    Co-founder & CEO

    Co-founded the University of Southern California’s Trojan Student-Managed Investment Fund. MS in Finance, University of Southern California Marshall; economics, Southern Methodist University.

    LinkedIn
  2. Guillermo Sanchez Garcia

    Guillermo Sanchez Garcia

    Co-founder

    MS in Finance, University of Southern California Marshall; industrial and systems engineering, University of Groningen (Netherlands).

    LinkedIn
  3. Samuel Chisick

    Samuel Chisick

    Co-founder & Lead Engineer

    Self-taught software engineer with a portfolio of AI and software projects.

    LinkedIn
  4. Anya Alexander

    Anya Alexander

    Chief Marketing Officer

    Leads brand, content and launch campaigns at Plurel. BA in Psychology & Art, University of Miami.

    LinkedIn

Contact uscontact@plurelinc.com

© 2026 Plurel Inc.
Launching Spring 2027

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