A separate bill/payment (paying individually rather than combining the check, e.g., at a restaurant).
すみません、別会計でお願いします。
Excuse me, we'd like separate bills, please.
大人数のときは別会計にしたほうが早く済む。
When there are many people, paying separately is usually faster.
スマホのアプリで別会計の計算を簡単にできる。
You can easily split the bill using a smartphone app.