# PAM - Pay After Makan — Split Bills & PayNow SG > Split Bills & PayNow SG (iPhone/iPad app by Stephanie Koh.) - Source: https://appshunter.io/ios/app/pam-pay-after-makan/id6770300607 (this page in markdown: same URL + `.md`) - Developer: [Stephanie Koh](https://appshunter.io/developer/1844537624) - Category: Finance, Utilities - Price: Free - Age rating: 4+ - Requires: iOS 15.0 · 25 MB - Languages: American English - Released: 2026-08-18 - Data updated: 2026-10-10 ## What is PAM? 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. ## Is PAM safe? Not enough ratings yet to assess PAM. ## Is PAM legit? PAM - Pay After Makan has limited verification signals. The AppsHunter Legitimacy Score for PAM is 58 out of 100 points across 7 verification signals from App Store and developer data. ## Version history (last 5 releases) ### 1.0.6 — 2026-09-05 PAM 1.0.6 has a fresh new look, a smoother way to get started and stronger protection for your data. • New first-launch introduction and optional Me profile setup • Refined light and dark colour palettes • Cleaner, more compact event, expense and settlement layouts • Improved service charge and Tax/GST controls • Quick access to PayNow QR, sharing and payment actions • Reorganised Settings for profiles, archived events, backups, receipt storage, guidance and privacy • Safer expense changes that protect recorded settlement progress • Additional backup validation and recovery checks • Improved event search, empty states and first-time guidance • Better large-text accessibility, reliability and stability across expenses, participants, settlements and sharing ### 1.0.5 — 2026-08-31 PAM 1.0.5 (39) What's New - Flexible expense splitting by exact amount, percentage, or shares, with a clear reset to equal splitting. - Mixed-currency expenses with an explicit, permanently recorded exchange rate into the event's settlement currency. - A Me profile for a preferred PayNow number and identity links per event. - Partial payments, settlement notes, payment history, and reminder sharing. - Event lifecycle status, archive/restore actions, and duplicate expenses. - Versioned PAM backup export and restore, including receipts. - Receipt image compression and receipt storage cleanup. - Base-currency changes are protected once expenses exist so historical values cannot be silently reinterpreted. - Expense-entry polish: single-line dates, compact tax/service-charge presets with custom rates, and a compact accessible split-method chip row. - Tapping Original currency now opens the complete searchable currency picker immediately, with the current currency clearly checked. ### 1.0.4 — 2026-08-24 PAM now has a refreshed interface with clearer event details, settlement progress and expense entry. This update also improves PayNow QR sharing, payment summaries, receipt handling and paid-status tracking. Expense emoji suggestions now support more common travel, food, event and Chinese-language descriptions, including Simplified and Traditional Chinese terminology. We’ve also fixed Chinese keyboard input and made further accessibility, light mode and dark mode improvements. ### 1.0.3 — 2026-08-23 Settling up is now even easier: • View PayNow QR codes directly in PAM for quick, on-the-spot payments • Save or share payment QR codes with your group • Track outstanding payments with clearer settlement progress • Mark payments as paid with a tap or swipe • Enjoy a refined settlement experience and refreshed PAM app icon Plus, we’ve made general improvements for a smoother experience. ### 1.0 — 2026-08-18 No release notes. ## Apps similar to PAM | App | Rating | Price | Category | | --- | --- | --- | --- | | [iFAST SG](https://appshunter.io/ios/app/ifast-sg/id1599070632) | — | Free | Finance | | [HPX:Wallet Crypto & Card](https://appshunter.io/ios/app/hpxwallet-crypto-and-card/id1354755812) | 3.3 (135) | Free | Finance | | [iFAST GB](https://appshunter.io/ios/app/ifast-gb/id1634434534) | 4.8 (373) | Free | Finance | | [uSMART SG:Trade Stocks&Options](https://appshunter.io/ios/app/usmart-sgtrade-stocks-and-options/id1600023952) | 4.6 (224) | Free | Finance | | [Instarem: Send money abroad](https://appshunter.io/ios/app/instarem-send-money-abroad/id1190075959) | 3.8 (689) | Free | Finance | | [AIA+ Singapore](https://appshunter.io/ios/app/aia-plus-singapore/id1394337344) | 4.2 (200) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-10-10.*