Copay — group payments
When a cart is shared, nobody wants to front the full amount: the order stalls, or never happens. Copay adds “pay together” to your checkout — everyone pays their share, you receive the total in one payment.
Choose a payment method
Copay — pay together
NEW
Cart total: €570.00
Your pool · Barcelona trip
of €570.00 · 0%
Waiting for contributions…
€570 raised by 4 people, paid to the merchant in a single payment.
How it works
Copay plugs into the merchant's existing checkout without changing how payment works. Here's what the buyer, their friends and the merchant see.
At checkout, “pay together” is picked just like a card or a wallet. Nothing new for the buyer to install.
Copay — pay together
NEW
The pool becomes a link to share wherever the group already talks. Contributors don't need to create an account.
Group · Marie's gift
your-store.com · shared pool
Marie's gift · 4 participants
€570.00 · €142.50 per person
Pay my shareEach contributor pays by card — their share and nothing more. Everyone can see the progress in real time.
Pool in progress
of €570.00 · 0%
Once the pool is complete, the card authorizations are captured and the merchant receives the full amount in a single payout to their Stripe account.
The problem
One payment method has to carry an entire group purchase. For the customer, that means chasing people, doing the math, fronting the cost. For the merchant, the cart sits there — or the payment leaves the checkout.
A place booked for the whole group, but one card to pay for everything — then weeks of getting everyone's share back. The booking waits for someone willing to carry the full amount alone.
Chipping in for a birthday often turns into reminder texts, while whoever paid upfront waits to be paid back. The collection moves to an outside money pot, and the purchase only happens much later.
Splitting a purchase across two cards or two accounts, right at checkout, is almost never possible. So the amount gets capped by what a single card will carry.
What it costs the merchant
Get started now
Sign-up is open to everyone. Pick your case, follow the steps, and try it in test mode before you take your first sale.
1.5% transaction fee
Create your account, download the extension from your dashboard, then click “Connect my store to Copay” in WordPress: the key and secret are saved automatically.
Create your account, then open the pool from your server with a single call. The kit (guide, Node and PHP examples) is downloaded from your dashboard.
No online store? Create a payment link in your dashboard and send it to the group by message or email.
Already have an account? Log in Full details: the integration guide
Try it yourself
This demo walks through the Copay flow end to end. Have contributors pay one at a time and watch the current step move forward.
Your store · demo
Barcelona trip (4 people)
€570.00
Choose “pay together” to turn this cart into a pool shared by 4 friends.
of €570.00 · 0% · 0 of 4 contributions
Click a contributor to have them pay their share.
Get started
Create your account, link Stripe and try Copay in test mode, in just a few minutes.
A question before you start? Pick a slot on the right, or write to us via “Contact” in the menu.