PAM - Pay After Makan

PAM (Pay After Makan) is a smarter way to split bills and manage group expenses. Whether you're organising dinner with friends, travelling overseas, planning a wedding or sharing household costs, PAM keeps every expense organised so everyone knows exactly who owes what. Unlike basic bill splitters, PAM lets different people pay throughout an event, automatically calculates the simplest settlements to reduce unnecessary transfers, and makes settling up even easier with convenient PayNow support for users in Singapore. PAYNOW MADE CONVENIENT (Singapore) • Generate PayNow QR codes for eligible Singapore mobile numbers • Create a QR code with the correct recipient and settlement amount • Display the QR code for quick in-person payments • Share settlement summaries and PayNow details via WhatsApp • Track completed and outstanding payments • Always verify the recipient name in your banking app before confirming payment SPLIT BILLS FAIRLY • Create events for trips, meals, holidays, weddings and group activities • Record expenses as different people pay throughout the event • Automatically calculate who owes whom • Simplify settlements to minimise the number of transfers • Split each expense among selected participants • Support GST and service charges • Track paid and outstanding balances KEEP EVERYTHING ORGANISED • Attach receipt photos for future reference • Choose from multiple currencies for different events • Export expense records whenever you need them • Use English or Chinese expense descriptions with smart emoji suggestions • Keep all spending for an event in one organised timeline PERFECT FOR • Holidays and overseas travel • Group dinners and makan sessions • Family gatherings • Weddings and celebrations • Shared household expenses • Sports teams, clubs and hobby groups • Work lunches and team outings PRIVATE BY DESIGN - No accounts. - No subscriptions. - No complicated setup. - Your data stays on your device. Even if you're outside Singapore, PAM remains a powerful group expense tracker. You can record shared expenses, split bills fairly, calculate settlements and keep everyone on the same page. PayNow shortcuts are available for supported Singapore users, while everyone else can still share clear settlement summaries. Whether it's kopi after work, a weekend getaway or an overseas holiday, PAM helps your group spend less time doing maths and more time enjoying the moment. PAM. Pay After Makan. Split bills the smarter way.