Most people are not avoiding paying you. They forgot, or they are waiting for a "good time" to bring it up. Make it easy and it usually happens the same day.
Ask soon, ask once, ask specifically
A reminder the next day with the exact amount and your UPI ID gets paid. A vague "we should settle up sometime" a month later does not. Settl's reminders send exactly that on WhatsApp: the amount and your UPI ID.
Keep it about the list, not the person
"Settl says I'm ₹640 up from Saturday" lands better than "you still owe me". A shared record turns it into a fact you both can see.
Make paying a one-tap thing
When paying back means finding your UPI ID and typing an amount, it gets postponed. In Settl the Pay button fills both in, so it takes seconds.
Settle on a rhythm
Flats settle monthly. Trips settle the day after. Regular friends can settle whenever someone's balance crosses an amount you agree, say ₹1,000.
Let small things go, on purpose
If a friend always buys the chai, that is fine. The problem is not small amounts; it is amounts nobody is sure about. Write it down, and decide together what does not need writing down.
