create an app like tamara

How to Create A Split Payments App Like Tamara

Last updated on April 24th, 2024 at 09:04 am

In an era when the ability to collaborate effectively with money is crucial, developing a split payment app like Tamara is a fascinating undertaking. This guide will take you through the essential steps from ideation to release, showing you how complicated the development, market positioning, and user experience can be.

Because online purchases are changing, a split payment app is essential for family, friends, and co-workers to handle sharing costs easily. The goal of this guide is to explain the steps you need to take to make your idea come true.

From seasoned engineers to entrepreneurs venturing into the IT industry for the first time, this book has information for everybody.

We will cover every little detail that goes into creating an app that is feature-rich, secure, and simple for users to use, from planning and market research to selecting a reliable tech stack. You can start your journey with us, and by the end, you’ll know how to create a split payments app.

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Let’s get right down to it.

What is the Tamara App?

The Tamara app is a flexible split payment tool that makes group costs more accessible and streamlined. With its simple platforms, Tamara makes it easy for friends, family, co-workers, and others to split bills and costs. Users can easily split the cost of things like food, utilities, and sharing costs. This ensures everyone in the group can quickly handle money issues.

This app has strong security measures and uses cutting-edge data protection to protect users’ private financial information. Users with a wide range of tastes can choose from several payment methods, such as credit and debit cards, bank transfers, and digital wallets.

Tamara does more than just split payments. It connects with retail partners so users can make split payments directly at participating shops or online for ongoing and finished purchases. This makes things more open and accountable.

It offers a complete record of all transactions, help in multiple languages, and an easy-to-use screen. Tamara stands out as a trustworthy and complete option for handling shared costs in a group setting.

payment app like tamara

Benefits of Building A Split Payments App like Tamara

Making a Split payment like Tamara has many benefits, such as making group costs easier, saving time and effort, and helping users handle their money better. Let’s talk about it in more depth.

Group Expenses Made Easier

A split payment app like Tamara might make it easier to keep track of group spending. Users can easily split bills and share costs for different activities, so they don’t have to do complicated calculations or pay each other by hand. Because it’s so easy to use, more people may use the app for group business interactions.

Better Accountability and Openness

The split payment app clarifies group funds by sending real-time alerts and keeping track of every transaction. This feature ensures that everyone knows how much money they contribute and how much they owe. This encourages responsibility and lowers the risk of disagreements or misunderstandings.

Easy Integration for Retail

Integrating with store partners makes things easier for users in more ways. Since the app lets you split payments directly at partner stores or online, it’s valid for personal transactions and an excellent way to split costs during group activities like dinners, shopping, or practices.

Saving Time and Efforts

Automating the sharing and tracking of payments makes handling group costs much more accessible and takes much less time. Users no longer have to figure out and receive funds by hand because the app does everything for them. This app’s ability to save time makes it a good choice for busy people and groups.

Better Management of Finances

The complete transaction history record and easy-to-use screen help with better financial management. Users can quickly look at past bills, keep track of payments, and look at spending trends, which gives them the information they need to make smart choices.

This benefit does more than just split funds; it also adds value by making it easier for users to track all their financial transactions.

Must-Have Features for a Split Payments App like Tamara

By adding the following features, the split payment app meets the basic needs and makes the experience more open and user-friendly for a wider range of people.

Let’s take a closer look at must-have features of Split payment app like Tamara.

Payment Splitting

This split payments app feature allows users to divide fees or costs among several people. It must manage both fixed and variable quantities for use in different circumstances.

Tracking Payments and Getting Alerts

Real-time tracking makes sure that everything is clear. Users must get alerts for every payment, like when they owe money or need to contribute. This split payments app features help keep everyone involved up-to-date and informed.

Security Rules for Encrypting Data

Because security is so essential, the app must use strong encryption to keep private user data and banking data safe. This keeps all activities and personal information safe from people who shouldn’t have access to them.

Multiple Ways to Pay

Users should be able to pay in various ways, such as with debit and credit cards, bank transfers, and digital wallets. This split payments app feature may allow more people to use it and consider their different tastes.

Adding a Retail Partner

The app might be easier to use if connected to the store partner. Users can make split payments straight at shops or online sites that participate, which speeds up the process and makes it very easy.

User-Friendly Dashboard

A clean and easy-to-use screen is essential for a good user experience. It needs to show ongoing and completed activities, give an overview of split costs, and make it easy to get to other app parts.

Customer Chat Support

Like Tamara, one of the best things about the split payment app development is its quick and helpful customer service. A chat function lets users get help immediately with any problems or questions, making them happier.

Multi-Language Support

The app needs to be able to work with more than one language so it can serve a wide range of users. This split payments app features ensure that users worldwide can easily find their way around and use the app in their preferred language.

Transaction History Archive

Users need to have a complete record or transaction history to look back at past costs, balance their accounts, and keep track of payments. This split payments app feature might help with better responsibility and control of money.

app like tamara

How to Make Money with an App Like Tamara?

The app may have many distinct revenue streams if these various monetization ways are combined. It lets you meet the needs of a wide range of users and market situations. Also, looking at daily user reviews and market trends can help you fine-tune your chosen methods for the best results.

Let’s look at ways you could make money by making an app like Tamara.

In-App Purchases

In-app purchases should let users get extra features or paid services inside the app. Users could unlock premium features like premium styles, advanced data, or other useful features by making a one-time payment.

Subscription Model

You are considering membership plans for people who want to use the paid tools regularly. You can pay a monthly or yearly fee to get perks like faster customer service, early access to new features, and a better record of your transactions.

Transaction Fees

You can charge a small fee for each transaction through the app. It could be a flat fee per transaction or a portion of the whole amount. This plan ensures that the app forms good relationships for both sides.


Add ads that don’t get the way of the apps for splitting payments. It can have paid suggestions for store partners or related banking services. It is essential to ensure that ads are put in a way that doesn’t bother users but still brings in money.

How to Create A Split Payments App like Tamara?

During the development process, ensure that the security methods that protect user and financial data are given the most attention. Keep the lines of communication open with users so you can get feedback and keep making the app better based on what they want and need.

Here are the steps you need to consider while making a split payment app like Tamara.

Market Research and Planning

Do a lot of market studies to learn about the competitors, the target group, and market trends. Think about the features and functions that will make your app stand out. Make an in-depth business plan that lists your objectives, target audience, marketing strategy, and ways to make money.

Wireframing and Design

Make wireframes to show how the app is structured, how the user experience works, and how the navigation works. Hire mobile app developers to design something that looks good, works well, and fits the brand’s personality.

Include the user experience principles to ensure that the splitting app is easy for people to use and find their way around.


You can start the development process once you have the wireframes and style. Hire mobile app development company to choose a tech stack and design that works well with your program. Core features like real-time tracking, payment sharing, and security procedures should be implemented.

For additional features, ensure the app for splitting payments works with payment platforms and third-party APIs.

Testing and Quality Assurance

Thoroughly test the software to find and fix any bugs, security gaps, or other problems. Ensure the app meets quality standards by checking its functionality, security, and ease of use. Use what you learned from beta testing to improve user experience and fix problems.


Once testing and quality assurance are done, you must prepare for release. Put the app on the right app stores, such as the Apple App Store and the Google Play Store. Make sure that the rules and laws of the app store are followed. Create a marketing strategy to spread the news about the app’s launch.


Once the app is live, monitor its performance and user reviews. Use changes and updates to fix problems and improve features based on what users say. Adapt the app to changes in business and technology to ensure its relevance. You might want to add new features and functions to get people more involved.

app like tamara development

How Much Does it Cost to Make An App like Tamara?

Several things can change how much it costs to make an app like Tamara. Making a basic version with only the most essential features could cost anywhere from $50,000 to $100,000.

The cost could increase to $150,000 for a more advanced app with features like smooth connection with stores, advanced payment splitting methods, and a well-designed user experience.

The cost is affected by how complicated the payment features are, how strict the security measures are, how well they work with store partners, how much upkeep is needed, and where the development team is located. Marketing attempts to get new users and third-party API integrations are examples of extra costs.

It’s essential to remember that these costs are only rough estimates. The actual costs may differ depending on your needs, the plan’s difficulty, and the market’s state.

To keep the general cost of making an app like Tamara low, hiring the right development company, balancing features with budget limits, and planning for future expansion are essential.

Factors Affecting the Cost of Building an App like Tamara

Different factors affect the cost of building an app like Tamara. Considering these factors may help to create a realistic budget for developing an app like Tamara.

Let’s delve dive into it.

Complexity of Payment Feature

The complexity of payment features, such as the intricacies of splitting payments, handling different payment methods, and ensuring secure transactions, can significantly affect the split payments app cost.

Security Compliance and Protocols

Executing robust security protocols and ensuring compliance with industry regulations and data protection standards may increase the development cost. It is significant for safeguarding the user’s financial data.

Geographic Location of the development team

The geographical Location of the development team plays a significant role in cost considerations. Development teams in regions with higher living costs may charge more for their services than teams in lower-cost areas.

Integration with Retail partner

Integrating the application with retail partners considers the additional development efforts and costs. The complexity of such integrations, the number of partners, and the required cooperation level can affect the overall split payments app cost.

Backend Infrastructure and Server Costs

The choice of backend infrastructure, data storage, and server hosting can affect costs. Scalability considerations are also significant to accommodate the possible growth in transaction amount and user base.

Ongoing Maintenance and Support Costs

Launching is not an end step, as users may require support after releasing the app. Hence, regular maintenance, customer support, and updates contribute to ongoing costs. Regularly addressing bugs, executing new features, and offering user support is significant for the app’s success.

Marketing and User Acquisition

Marketing and User acquisition efforts are significant for the app’s success. Costs associated with promotional practices, advertising, and user acquisition campaigns must be factored into the overall budget.

Third-party API integration

The associated costs, such as integration efforts and licensing fees, must be considered if the application depends on third-party APIs for additional functionalities or services.

Platform Selection

Developing an app for multiple platforms (Android and iOS) may increase the development costs. The selection of a platform, whether native or cross-platform, may affect the cost of developing a split payment app like Tamara.

Design and User Experience

Investing in higher-quality design and user experience may improve the app’s usability and appeal but may increase upfront costs.

Development team

The size and expertise of the development team, such as designers, project managers, quality assurance professionals, and developers, may affect the labour costs. Hire a mobile app development company to develop an app like Tamara at a low cost.

Testing and Quality Assurance

Testing using different testing methods such as usability, functional, security, and functional testing may contribute to the overall project costs. The testing process’s complexity and the specialized tool requirement may affect the overall split payments app cost.

split payment app like

Technology Used for Developing a Split Payments App like Tamara

The tech stack may differ according to specific project requirements, team expertise, and other considerations. The selected tech must align with the app’s security, scalability, and performance goals.

Let’s catch up on these tech stacks.

Component Technology/Framework
Frontend Development Kotlin (Android) and Swift (iOS) for Native and React Native or Flutter for Cross-platform
Backend Development Django, Ruby on Rails, and Node.js,
Server Hosting Microsoft Azure, Google Cloud Platform (GCP), Amazon Web Services (AWS)
Payment Gateway Integration PayPal, Braintree, and Stripe
Database PostgreSQL, MySQL, and MongoDB
Security Two-factor authentication and SSL/TLS for data encryption
Authentication JWT (JSON Web Tokens) and OAuth 2.0
Push Notifications Apple Push Notification Service (APNs) and Firebase Cloud Messaging (FCM)
Analytics Mixpanel and Google Analytics
Real-time Communication Firebase Real-time Database and WebSockets

Why Choose eBizneeds for Developing an App Like Tamara?

Selecting eBizneeds for developing split payment apps like Tamara provides a strategic benefit rooted in the commitment to excellence, client-centric approach, and proven expertise.

With a track record of successful app development projects, eBizneeds provides extensive experience in developing innovative and scalable solutions.

The team of eBizneeds excels in developing user-friendly interfaces and executing cutting-edge techs to meet the specific client’s needs. Their proficiency in developing secure payment systems, robust backend infrastructure, and seamless integration positions them as a reliable development company for a split payment app.

Moreover, eBizneeds prioritizes collaboration and transparency communication throughout the development lifecycle, ensuring that client requirements are met and exceeded.

The company is committed to delivering on time and within the budget. It is coupled with a proactive approach to problem-solving and makes eBizneeds a trusted partner for ambitious projects such as developing a split payment app like Tamara.

contact ebizneeds


The journey of developing a split payment app like Tamara is the evolution of modern financial dynamics. This guide has navigated you through the complexities of development, focusing on the significance of market research, a user-centric approach, and robust tech stacks.

As you navigate this landscape, envisioning a platform like Tamara is significant for recognizing the transformative impact of an app with collaborative financial communications.

The journey does not end with the development phase, as it extends to continuous refinement, user feedback integration, and staying attuned to market trends. Embrace the dynamic nature of the digital realm, where financial techs are reshaping how individuals and groups manage their expenses.

By undertaking this venture, you are contributing to the seamless, efficient, and transparent future of shared financial accountability.

Whether your motivation is entrepreneurship, innovation, or addressing a market gap, completing this guide will empower you to develop a split payment like Tamara that meets and exceeds


What is the initial step of developing a split payment app like Tamara?

A. The initial step is comprehending market research. Comprehend your target audience and assess unique features and competitors that develop your app. This foundational research will shape the development strategy and user experience.

What technologies are significant for developing a secure split payment app?

A. Executing robust security measures is significant. Use different technologies such as SSL/TLS for data encryption. OAuth 2.0 for authentication and secure payment gateways such as PayPal or Stripe to ensure the safety of users’ financial data.

How can I ensure the Split payment app’s user-friendly design?

A. Preferring user experience by developing intuitive designs and wireframes. Conducting usability testing to collect feedback and refine the interfaces. Aim for simplicity in payment splitting procedures and make sure the clean and easily navigable dashboards.

What role does ongoing maintenance play in the success of the split payments app?

A. Ongoing maintenance is significant for identifying bugs, executing bugs, and offering continuous support. Regularly collect user feedback to improve the feature’s performance and stay ahead of evolving user requirements and industry trends.

How can I effectively market and promote my Split payment apps?

A. Develop an inclusive marketing strategy that includes online and offline channels—leveraging influencer partnerships, social media, and targeted ads. Highlight your promotional efforts’ unique features and benefits to attract and retain users.

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