(SPOT.ph) Picture this: The bill arrives after a great dinner out, pulling everyone at the table to a huddle of calculators and floating math equations. Struggling to compute post-dinner? GCash offers a "Kanya Kanyang Bayad" or KKB feature that allows your group to pay for your individual orders or divide the total so you don't have to deal with math and loose change at the end of your meal.
The feature is convenient for food bills but also covers the categories of entertainment, family, friends, gifts, shopping, transportation, travel, utilities, and other activities so you can better organize and track payment requests and dues.
The feature works for quick splits, but more complicated divisions such as equally sharing payments for service charge or pitching in for a group order and paying for individual meals will involve either some math outside the app or several KKB requests within the app.
Amounts requested are deducted exactly so your group doesn't need to worry about change or listing down amounts to pay later.
Before creating a KKB request, ensure that you’re transacting with a trusted group of people. GCash can digitize the act of splitting bills but can’t actually chase people who refuse to pay or sneakily evade paying for their share.
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Here’s how to split the bill using GCash KKB:
Open the GCash app and tap 'View All'. Scroll down to ‘Enjoy’ and tap ‘KKB’.
Tap ‘Create new KKB request’ and select the type of transaction. For this example we’ll use food.
Set the due date for the payment. If you need the payment now, you can select today as the due date, which is the default. If your group agreed on a specific date, you can set it accordingly.
Choose split type. If you guys ordered your own meals, you can select ‘split by item’. If you opted for group dishes, you can choose to ‘split equally.’
Next, add the people who need to pay. GCash can fetch them from your contacts, or you can manually type their numbers. You can also create and save groups on the app for easier division of payments in the future.
If you choose to split by item, GCash will ask the initiator of the KKB to determine the amount to be paid per person. If the person ordered a meal and a drink, just tap the plus button to add it to the breakdown.
After finalizing the amounts, the app will show a summary of how much each person has to pay, along with the grand total of the group transaction.
If you choose to split equally, the app will ask for the grand total and equally divide it by the number of people in the party.
Once the requests have been created, they’ll fall under the ‘Active’ tab, where it states it’s unpaid. If it’s taking them a while to pay, you can nudge them and GCash will send them a notification to pay.
In case your friend pays you with cash in person, you can manually mark the KKB request as paid and it will transfer to the ‘Completed’ tab.
Once paid, the initiator of the KKB request will receive the fund and a notification of payment.