Floza Logo

Effortless Group

Payments,

Instant Settlements

Split, Pay, Relax: The Smart Way to Manage Group Money. Never chase group payments again with Floza's seamless payment solution.

Try Floza in Action

Experience how easy group payments can be with our interactive demo. See the complete flow from creating a payment request to getting paid instantly.

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Demo Instructions

Welcome! Click 'Start Demo' to begin your journey with Floza.

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Floza Demo

See how easy it is to manage group payments. Let's create your first 'Flo'!

Tired of Chasing Group Payments?

Managing shared expenses with friends, family, or roommates can be a headache. Tracking who paid what, reminding people, and waiting for transfers can be awkward and time-consuming.

The Problems We Solve:

Awkward Payment Reminders

Constantly asking friends for money damages relationships

Complex Expense Tracking

Manual calculations and receipt management is time-consuming

Delayed Payments

Waiting days or weeks to get paid back for shared expenses

Floza's Solution:

Automated Reminders

Smart, gentle notifications that maintain friendships

AI-Powered Splitting

Scan receipts and automatically calculate fair splits

Instant Settlements

Get paid in minutes, directly to your bank account

The Hidden Cost of Group Money

These numbers reveal why we built Floza—because managing group money shouldn't damage relationships.

31%

of Americans

are owed money by friends or family

Source: LendingTree
$51B

in total debt

owed between friends and family

Source: PYMNTS
1 in 5

friendships

are ruined by money

Source: Bread Financial
77%

would end a friendship

over $500

Source: DebtWave

It's Time for a Better Way

These statistics show why traditional methods of managing group expenses fail. Floza eliminates the awkwardness, delays, and relationship damage that comes with chasing payments.

How Floza Makes Group Payments Simple

Four simple steps to effortless group payments. No more IOUs, no more chasing payments.

1

Create a Flo

Set up a group payment for trips, rent, gifts, or meals. Choose a template or customize your own.

2

Invite & Split

Easily invite friends via text or email. Floza calculates who owes what, or use our AI to scan receipts.

3

Pay Seamlessly

Friends pay their share directly through the app using secure, instant bank transfers.

4

Get Paid Instantly

Receive your money in minutes, directly to your bank account. No more waiting!

Your Money, Our Priority: Built with Trust & Security

Enterprise-grade protection for your financial data and transactions.

Enterprise-Grade Protection

Advanced encryption and security protocols protect your data and transactions.

Secure Bank Linking

Powered by Plaid, securely connect your bank without sharing login details.

Fraud Protection

Intelligent systems monitor for suspicious activity to keep your funds safe.

Privacy First

Your personal information is never shared or sold. Complete data privacy.

Meet the Team Behind Floza

We started Floza because we believe managing group money should be easy, instant, and stress-free. Our mission is to empower seamless financial interactions for shared experiences.

Brian Hightower

Brian Hightower

Founder & CEO

B.S. - University of Illinois, Urbana-Champaign | M.B.E. - UC Berkeley | Founder with business, tech, and leadership experience scaling early-stage ventures.

Mayank Shetty

Mayank Shetty

Founding Engineer, Technical Lead

AI Researcher, Full-Stack Developer, and Former Co-Founder & Senior Developer at Forms9 (SaaS Startup) — Patented automated form-digitization tech adopted by major financial institutions in India.

Areeb Ashraf

Areeb Ashraf

Founding Engineer, Backend/Infra Engineer

Full-Stack Developer, AI Researcher, Creator of HireLight (AI Recruiter Platform)

Our Values

Innovation

Pushing boundaries in fintech

Security

Your trust is our foundation

User Experience

Simplicity in every interaction

Transparency

Clear, honest communication

Get Early Access to Floza

Join the Floza revolution. Be among the first to experience effortless group payments.

We respect your privacy. Your information will only be used to notify you about Floza's launch.

Frequently Asked Questions

What is Floza?

Floza is a smart group payments app that helps you split costs with friends — rent, trips, meals, gifts, you name it. Everyone pays their part, and no one has to front the bill or chase anyone down.

How does Floza move money?

When you join a Flo, you pay your share directly from your bank using a secure ACH transfer. Once everyone pays, Floza releases the money to the organizer using either instant payout or standard bank transfer.

Which banks does Floza support?

Floza works with thousands of U.S. banks and credit unions through Plaid. If your bank supports online banking, you're most likely good to go.

Is my money safe with Floza?

Yes — your money is moved through secure, verified bank transfers, and we never hold funds longer than necessary. Your info is encrypted, and all movement is tracked and protected behind the scenes.

How does Floza prevent fraud?

We use live balance checks, bank-level encryption, and internal trust systems to block suspicious activity. If someone tries anything shady, the money doesn't move — period.

When will Floza launch?

We're kicking off a private beta at the end of summer 2025 and aiming for full public launch by the end of the year. Join the waitlist now to get early access, unlock exclusive features, and help shape the future of group payments.

Can I use Floza if I already paid for something and just want everyone to pay me back?

Yep — you can tell the app you already paid, and Floza will make sure your friends cover the rest. No awkward math. No "Hey, can you Venmo me?" texts.

Does everyone need the app to join a Flo?

Yes, but don't worry — we make it super easy. When you invite someone to a Flo, they'll get a quick link to download the app and jump right in. It takes 30 seconds.

Are there any fees?

Floza charges a small group fee per Flo, split between non-premium users. You'll always see the fee before you pay. Want to skip fees? Go Premium for $4.99/month and you're covered.

What if someone doesn't pay?

No money moves until everyone pays. If someone flakes, the Flo can be canceled or refunded. You're not stuck fronting for anyone.

Is Floza available outside the U.S.?

Not yet! Floza is currently U.S.-only. All Flos are processed in USD, and bank support is limited to U.S. accounts. We're focused on making the experience perfect here first — but international support may come in the future.