"settle up" button has ambiguous meaning
The use of the "settle up" button to begin a payment is a bit confusing. Perhaps I'm just used to the way Splitwise used to work, but when I think "Settle up", I imagine seeing the list of who owes who. I actually ended up spending quite some time looking for the button to add a payment, before resorting to clicking on suspicious looking buttons and finding it under "settle up". Anyway, I think it would be more straightforward to to have an explicit "record a payment" button, just like the old days.
We’ve decided to stick with the Settle up wording in the interface. We’ve seen too much confusion the other way now that you can actually send money via Paypla or Venmo.