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In polls throughout the United States, the National Restaurant Association found that 74% of consumers aged 25-34 and more than 60% of other adults would use an electronic payment system at the table if it was offered by the restaurant.

Investigative Intelligence, Inc recently found that according to recent statistics, since 2005 almost 50% of all credit fraud occurs in restaurants and 70% of incidents are perpetrated by an employee.

According to recent statistics by Restaurantpartner.com, using a credit card at a restaurant is far more dangerous than making a purchase online.

Easier and faster then waiting for a printed bill. 
The CheXplit system will wirelessly download the check details on most cellular phones, PDA's and other mobile devices. Payments can be made to a waitperson using your credit card or cash or you can utilize a preferred online payment solution like OboPay, Mpayy, PayPal, etc. Printed receipts can be distributed or they can be sent by email or text message.

In today's economy, splitting the check is much more economical than paying more for someone else's share of the bill.  If you decide to save some money by not having a lavish meal or choose to drink water instead of wine, splitting the check evenly could cost you an additional $5 - $20.

How many times have you gone out to dinner with a group of friends or co-workers and:
Took more than 10 minutes to pay your bill?
Paid more than you intended?
Felt uncomfortable using a calculator or didn’t have one?
Spilled a beverage on the printed bill?
Felt uncomfortable using your credit card (fraud, fees, etc)?
Paid the entire bill and was paid back in cash?
Didn’t have enough cash or the correct change to pay your portion of the bill?
Lost your receipt? 
 
 If you answered yes to ANY of these, then you would love CheXplit. Most people make an honest effort to pay their portion of a restaurant bill; unfortunately, this is not always easy to do and can lead to an awkward or uncomfortable situation. Whether you are dining with a friend, colleague or a close family member, CheXplit can make the payment process easier and more accurate. 

Instead of trying to manually add up what you owe in your head or by typing numbers into a calculator, CheXplit will allow you to view, split and even pay for your portion of the bill on your cell phone. This avoids the need to rely on a waitperson to print your bill, hold your credit card and possibly even process your payment incorrectly. 

You do not have to download any special software and you do not even need to have an account or membership to split your bill using CheXplit. If you want to pay for your meal using your phone, please refer to our  list of current and upcoming payment options that are available here.

CheXplit is much faster than the conventional payment process, which means that you will be on time to that movie, meeting, etc. Anyone can view and pay for their bill at any time in less than four easy steps.
 
PAYMENT PROCESS AVERAGE  CHEXPLIT 
REQUEST YOUR CHECK 1-10 MINUTES 1-2 MINUTES 
PRINT CHECK 1-10 MINUTES NOT REQUIRED 
DELIVER CHECK 1-10 MINUTES NOT REQUIRED
REVIEW / SPLIT CHECK 1-15 MINUTES 1-15 MINUTES
ORGANIZE CARDS, CASH, ETC. 1-15 MINUTES NOT REQUIRED
PROCESS PAYMENTS 2-15 MINUTES 1-15 MINUTES
DELIVER RECEIPTS 1-5 MINUTES NOT REQUIRED
DELIVER CHANGE 1-5 MINUTES NOT REQUIRED
 
Some of the many benefits of using CheXplit can be seen below. You can also refer to our  FAQ section for more answers to your questions. Please submit your contact details at the TOP of this page to learn more or to become a member of the CheXout Rewards program.
 
FAST & EASY PAYMENTS 
As you can see from the estimates above, splitting and paying the bill for a group of people could easily take 10-30 minutes depending on how many people are paying, the clarity of the bill, how many items were ordered, how busy the restaurant is, the sophistication of the existing technology at the restaurant, etc. Even if the restaurant is capable of splitting the bill for you, it can be very difficult for a waitperson to remember what guest is paying for each order, how much they are each paying and what they are paying with (credit, cash, etc).
 
ELECTRONIC RECEIPTS
Another great feature of CheXplit is the ability to receive your receipt via email or text message. This can be a great way to keep your business expenses organized, reduce clutter in your wallet/purse or a good way to reference what you last ordered at a particular restaurant.
 
EARN REWARDS 
Some restaurants may offer rewards for special promotions and some always issue rewards. A complete list of all participating restaurants and what rewards they offer can be seen here.
 
SECURE INTERNET PAYMENT OPTIONS 
Using CheXplit on an internet enabled phone allows you to use payment services such as PayPal, OboPay & MPayy to facilitate payments between each other or directly to a restaurant.
 
SECURE PRE-PAID PAYMENT OPTIONS 
Pre-paid debit cards are subject to the same fraudulent risks as credit cards. Often used as a great way to manage a non-credit budget or a child’s meal expenses, pre-paid account services are also available for mobile devices. 
 
MORE SECURE CREDIT OPTIONS 
Master Card PayPass, American Express ExpressPay, Visa PayWave and Discover Zip are all examples of contactless payment solutions that are being integrated into new cell phones. Trials for this upcoming technology (Near Field Communication) are already underway at many public transit locations throughout the US and abroad. CheXplit will be one of the best ways to access this upcoming payment standard within the restaurant industry.
 
AVOID CREDIT CARD FRAUD 
Even as new security standards are being implemented, credit fraud remains highest in restaurants than in any other merchant category. Using your mobile phone to access alternative forms of payment such as Near Field Communication (contactless payments), internet payment solutions and stored value/pre-paid account services can significantly reduce the risk of credit fraud. 
 
CheXout Systems Inc. is always adding new mobile payment solutions as they become available, please contact us if there is one that you like.