Vacation Group 🏝 You: Hey folks! Y'all still owe me $7.9 for the pizza we had last week. 🍕 Jake: Hit me with your PayPal! Marie: What was your Venmo username again? 💸 Andi: Are you cool with cash?

Agreeing on a payment method when splitting a bill shouldn't be hard. Sure, there are a lot of services out there that try to solve this problem, like Cash App or paypal.me. All of these work great by themselves, but they can't help if someone doesn't use this particular service.

You: Here you go: owe.zone/timo/7.9/Pizza

Why not combine all those services into one personal link? That's where owe.zone comes in. Share your link to present all your payment providers in one place – append the amount and a name to it, to tell the other person what it's all about.

Screenshot of my owe.zone page
Screenshot of my owe.zone page


The project came together as part of my diploma project, joined by Leo and Andi. We worked on owe.zone for about nine months (next to school, of course), which included an in-depth brand study, the design, and development process.

Dynamic quotes

Finance isn't the most casual topic around – that's why we decided to loosen things up with some sassy quotes.

One of the many possible quotes
One of the many possible quotes

The presentation booth

For the presentation of the project, we built an interactive booth where people could reserve their username. It also helped to grow our mailing list for the release.

Preparing our booth for the visitors
Preparing our booth for the visitors

Make it memorable

When someone reserves a username, a thermal printer starts printing a personal confirmation for them to take home.

notion image

Project status

Unfortunately, owe.zone isn't open to the public yet. Selected users are already able to use owe.zone, but the management interface is still unpolished. Sadly this won't change any time soon since my focus is on other projects at the moment. We will see what the future will bring – I would love to get owe.zone released.

Timo Lins
Developer + Designer from 🇦🇹

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