How do I pay for myself when someone insistes to pay for me at a restaurant?

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I’m going to guess that you’re a female, out on a quasi-date with a guy, and you don’t want him to get the wrong idea. If this is the case, your best way to do this is to, when the check comes by, reach into your wallet / purse and pull out your credit card or cash or whatever you’re paying with. Or even keep it in your pocket throughout the meal for easy access so you don’t have to rummage around for it. Then when the server comes by, hand him / her the credit card and say you’re splitting the checks.

If the guy gets angry about it then you’ll never be able to just be friends with him and you should move on.

If any of my assumptions are wrong, feel free to correct them and I’ll revise my answer.