Hey, man. Did you eat five slices of pizza the other night but chip in only a couple of bucks because that’s all you had on you? Did you borrow my new Xbox game and then leave it on your car dashboard where the sun melted it? Did you drink all my vodka at the party last weekend and figure I wouldn’t notice? Well, I did. Fear not, though, moocher friends — there’s now an easy way to settle your debts with your old buddy Paul — through a new online payment system I’ve set up called PayPaul.

Pretty sweet, right? Now, with just the click of a mouse, you can get me back for a few of those late-night Taco Bell runs I took you on when you were too drunk to drive yourself home after a late gig. You can toss in a ten-spot — or more; no reason it can’t be more — to help pay for that lap dance you insisted on buying your little brother at that strip club that wouldn’t accept checks. With PayPaul, you can put cold hard cash in my pocket as effortlessly as you lifted a joint out of it the other night when you “borrowed my jacket for a minute.”

And it’s super-easy to set up a PayPaul account: All you need to sign up is your name — even a nickname is fine, T-Bomb — and any major credit card, and you’re well on your way towards compensating me for the hour-long cab ride we had to take home from that party in Jersey where you thought MetroNorth stopped but it didn’t (and where your friend had said we could crash for the night but then we couldn’t).

There are no fees to use PayPaul, and you can even earn 1% cash back when you reimburse me for your half of the electric bill from August since you ran the A/C full blast that whole month and our bill was like double.

But Paul, you might be thinking, what about those less tangible goods and services I may have swiped from you over the years, items that might have little or no monetary value, but which are nevertheless irreplaceable, such as the lucky sweater you were wearing when Josh Homme pulled you up on stage during an Eagles of Death Metal concert, which I later borrowed and then left in a cab? Or the affections of your ex-girlfriend, Vanessa, who broke up with you right after I did acid with her at that bonfire last year?

Why, I’m glad you asked! Those scenarios are the reason for PayPaul’s convenient auto-debit feature, which allows you to make installment payments on a monthly basis — as little as $10 a month! — until either I deem that your debt has been sufficiently repaid or you can convince Vanessa to give me another chance, you dirtbag. Or, you might throw in a date with your mom, or maybe a joyride in your cousin’s Corvette; something like that could significantly reduce your balance right off the bat. Never let it be said that your old friend Paul isn’t willing to negotiate.

As an added benefit, loyal PayPaul customers will enjoy elite GoldFriend status. GoldFriend club members are eligible for additional special offers, including front-row seats at all my band’s shows, free pet-sitting (no spiders or snakes), unlimited access to my Xbox Kinect, and the occasional weekend trip to my parents’ timeshare in East Islip, as long as you bring your own beer, don’t smoke anything inside, and are cool with crashing on the floor.

I’m sure you’ll also be pleased to learn that payments through PayPaul are tax-free in every state but Delaware and Hawaii. And I don’t even have any friends in either of those states, so no problem. (Wait, where does Alex live now? Yeah, I thought so. No, we don’t talk anymore. But if you see him, do me a favor and give him the link to PayPaul. Here, I wrote it down on this napkin.)

Finally, if making regular monthly payments via PayPaul seems daunting, especially for those of you who are still on your parents’ cell phone plan, just remember: The sooner you stop eating my leftover takeout, jumping on my bar tab, and swiping (and then scratching) my Dark Knight Collector’s Edition DVD with the director’s commentary, the sooner your obligation to make PayPaul payments will end!

PayPaul: No, You Got This One™