This is not a good idea. I don't want some company like venmo/paypal/brantree/visa looking datamining every last cent and transaction that I spend. Who knows who they could sell the data to or if they get hacked. Just use cash and tell the server what you ordered. They will give you an individual check, with totals on it. If theres >10 people yes you might need to pay 10% extra fee but that's better than subsidizing someone's 3 $15 cocktails, $30 steak, $10 dessert.