Your circle, step by step.
Here's exactly how Equb Pay works — from your first invite to your final payout.
Start or join a circle
Start by giving your circle a name and setting the rules: how much each member contributes per cycle, how often (weekly, bi-weekly, or monthly), and how many members. Then invite people directly by phone number or email. Each member must accept the invitation before the circle activates.
Members pay each other directly
Members pay each other directly — through Zelle, Venmo, Cash App, Apple Pay, or Google Pay. No money ever passes through Equb Pay. We just keep the record.
Payouts rotate until everyone receives
The payout order is established when the circle forms. When your turn arrives, the other members send you their contributions directly and you receive the full pool. Every member can see the full payout schedule at all times.
Always free to use
Equb Pay is free to use. No platform fees. No transaction cuts. No hidden charges. Members pay each other directly using the payment apps they already trust — Zelle, Venmo, Cash App, Apple Pay, or Google Pay. We handle the tracking so your circle stays honest and organized.