Subscription splitter without a credit card on file
Split Netflix, Spotify, ChatGPT Plus, and 20+ subscriptions without anyone handing over a card. The plan owner keeps paying the provider as normal; everyone else pays the owner directly each month — no wallet to top up, no escrow, no auto-charge.
✦ Encrypted · No card on file · GDPR-compliant
Why "no card on file" matters
Most subscription-splitting tools require every member to link a card, debit account, or PayPal before they can join. That's a hard stop for many of the people you actually want to share a plan with: kids on the family plan, parents who don't use online cards, friends who hit their card-on-file limit, EU users who pay everything from a bank app or Revolut. The card requirement isn't a security feature for them — it's the reason they walked away.
Kartu asks a different question: who keeps paying the provider, and who collects from whom? Most tools insert themselves as the collector and need a card to do it. Kartu doesn't. A subscription splitter without a credit card is a tool that organises who owes what each month without storing or charging anyone's payment method — yours or anyone else's.
How payment-free splitting works
Four steps. Nothing is auto-charged at any point.
You keep paying the provider
You already pay Netflix (or Spotify, or ChatGPT) from your card. Nothing changes there — the family plan stays in your name, under your billing.
You create a plan in Mokam Kartu
Set the total monthly cost, the currency, and your monthly date. Invite up to five members by email; each member can have their own monthly date so the chase doesn't bunch up on one day.
Each member gets a payment request, not a charge
On every member's monthly date, Mokam Kartu emails them with the amount owed and the payment methods you've set: a Revolut deep link, an IBAN with a unique reference, or a phone-number prompt for any bank app. They open the link, pay you direct, done. No card, no wallet, no third-party processor.
You mark the payment received
When the money lands, you tap "Mark as paid". A receipt goes out by email. If a payment is late, Mokam Kartu sends a gentle reminder automatically — but nothing pulls funds on your behalf, ever.
The whole flow runs on direct bank transfers. We never see a card, a CVV, or a banking login.
Compared with card-required tools
Spliiit, GoSplit, and Sharesub all use the same underlying model: members link a card or PayPal so the platform can charge them on the host's behalf. Mokam Kartu doesn't. Here's the difference end-to-end.
| Tool | Payment model | What's stored from members |
|---|---|---|
| Mokam Kartu | Owner pays the provider. Members pay the owner via Revolut, IBAN, or phone transfer. | Nothing. We don't ask for a card. |
| Spliiit | Platform charges each member's card monthly and forwards the funds. | Tokenised card or PayPal on file for every member. |
| GoSplit | Same escrow model — platform pulls funds from each member. | Tokenised card on file for every member. |
| Sharesub | Same escrow model — platform pulls funds from each member. | Tokenised card on file for every member. |
The trade-off is honest: you mark payments received yourself rather than seeing them auto-resolve. That's the price of nobody handing over a card.
Subscriptions you can split this way
Any recurring plan that one person pays for works. The ones our users split most often:
- Netflix
- Spotify
- YouTube Premium
- ChatGPT Plus
- Apple One
- Microsoft 365
- Disney+
- HBO Max
- Claude Pro
- Notion
- iCloud+
- Perplexity Pro
Currency is EUR. Up to six people per plan (you + five). Any other recurring plan in EUR works too.
Built for European payments
Each request goes out as a Revolut deep link, a bank transfer with a unique reference (IBAN-friendly), or a phone-number prompt. SEPA, Wise, and any local bank app work natively because the request is just a transfer — never a card charge. Bizum (Spain), Twint (Switzerland), and Swish (Sweden) fit the same flow via the IBAN or phone fallback.
- Revolut
- IBAN + reference
- phone transfer
- Wise
- SEPA
Common questions
- Does Mokam Kartu charge anyone's card?
- No. The owner keeps paying the provider as normal. Members pay the owner directly through whichever method the owner has set up — Revolut, IBAN, or phone transfer. We never store, see, or charge a card.
- What if a member doesn't pay on time?
- The request stays pending. Mokam Kartu sends a gentle reminder the next day. You decide when to mark the payment as received; nothing auto-resolves on your behalf. The full history stays visible on the plan page.
- Is splitting a subscription legal?
- It depends on the provider. For most family plans — Spotify Family, Apple One, Microsoft 365 Family, YouTube Premium Family — sharing within a household is explicitly allowed. Netflix's terms tightened in 2023 around "household" definitions. Read the provider's terms before you split anything you're unsure about.
- Do members need an account or a payment method?
- They need to accept the invite. They don't need to link a card, sign up with a payment processor, or top up a wallet. They can pay you via their existing Revolut account, bank app, or however they normally send money.
- What does Mokam Kartu cost?
- Free during beta. No payment method required at sign-up — you only need a Google account.
Ready to split without the card paperwork?
Create your first plan in under a minute. Nobody needs to enter a card to join.