A determination can be made that a first user is available for a card-less payment transaction with a merchant restaurant. Data describing a booking for a shared financial expense to be incurred at the merchant restaurant can be obtained. The data can describe a second user participating in the group transaction. A total amount due for the shared financial expense can be obtained. A determination can be made that the second user is contributing to the shared financial expense. A respective electronic bill for the first and second users can be generated. Each respective electronic bill can be for an apportioned amount due for the shared financial expense. Data describing the respective electronic bill for the apportioned amount due for the shared financial expense can be sent to the first and second users.
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