Every charge → paid within a weekTreat it like debit
Swipe for the points. Pay like it's cash. Your statement shows up already handled.
A rules engine for your credit cards
Autopay
with opinions.
Squash pays your credit cards on rules you set. Coffee gets paid off this week. The couch gets paid off over a month. The shared card gets split with your roommate.
Your card's autopay
- Runs once a month.
- Pays the minimum or the statement.
- Has exactly one setting.
- Pulls from one bank account.
Squash
- Runs whenever your rules say.
- Pays from any account, split any way.
- Has opinions about every card you own.
- It's not a new credit card or a loan.
Pick a rule. Or all four.
Each rule decides how much to pay, from which account and over how many payments. Stack them however you like.
Over $400 → 4 paymentsSkip the BNPL app
Split big purchases on the card you already have. No new loan. No new account at checkout. Payments finish before your due date, so interest never gets a vote.
Shared card → 50/50Split the shared card
One card. Two people. Each of you pays a share from your own bank. Nobody sends the awkward “you owe me” text.
Over $1k → savingsPick the right pocket
Big purchases come out of savings. Everyday stuff comes out of checking. Your emergency fund stops paying for lattes.
How it works
- 1
Connect
Link your bank accounts and cards through Plaid. We never see your bank login.
- 2
Set your rules
Start from a template or write your own. Change them whenever your life does.
- 3
Stop thinking about it
Squash sends payments from your bank to your cards on schedule. You get a heads up before each one.
Fair questions
Is this a loan?+
No. Squash never lends you money. It pays the card you already have with money you already have.
My card already has autopay. Why bother?+
Card autopay runs once a month. It pays the minimum or the statement balance. It also pulls from exactly one linked bank account. Squash pays when your rules say, in the amounts they say, from as many accounts as you like, across every card.
Could it overdraw my checking account?+
Squash checks your balance before every payment. Anything that would leave you too low waits.
Do I have to move my money into a new account?+
No. Your money stays in your bank. Squash never holds it, so there is no new account to open and nothing to transfer in. Payments go from the accounts you already have straight to your cards.
Is this another budgeting app?+
No. There are no envelopes, flowcharts or money maps to build. Pick a rule for a card and you are done. It works just as well if you have one card and one paycheck.
Which cards will work?+
We're starting with major US credit cards. The waitlist helps us decide which issuers come first.
What will it cost?+
$4.99 a month covers 2 cards and 5 payments per card each month. Each extra card is $2.49 a month. Each extra payment is $0.35. Example: 3 cards and 30 payments in a month comes to $12.73. The fee never depends on how much you owe. You pay by bank debit on the web and can cancel any time. The pricing page has the full math. Think it is unfair? Tell us.
How do I cancel?+
Anytime, in a couple of taps. No call, no chat with a bot.
What happens if a payment fails?+
Squash tells you first. Your cards are not left hanging. We pause payments after a grace period, not on the first bounce.
When can I use it?+
We're building it now. We'll email the waitlist as spots open up.
If you've read this far, you should probably just join the waitlist.
It will cost $4.99 a month for 2 cards. Extras are itemized on the pricing page, where we show our math.