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.

Plurel home. Downtown dinner is open, the card is locked, and $0.00 is ready to spend.
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Why 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.

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.

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 debit/credit 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.
Where can we use the Plurel virtual card? +
Anywhere debit 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.
07Our team

The people building Plurel.

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

    Connor Chisick

    Co-founder & CEO

    Co-founded USC’s Trojan Student-Managed Investment Fund. MS in Finance, USC Marshall; economics, SMU.

    LinkedIn
  2. Guillermo Sanchez Garcia

    Guillermo Sanchez Garcia

    Co-founder

    MS in Finance, USC Marshall; industrial and systems engineering.

    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

    Marketing Lead

    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

Never front the group tab again.

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