Terms of Service

Last updated: 18 October 2026

1. About us

DiscountSplit is a product of Scepterix SMC-Private (Limited), a single-member private limited company registered in Pakistan.

Registered office and business address: 780 Street 23, Block D, Top City-1, Islamabad, Pakistan.
Email: hello@scepterix.com · Phone / WhatsApp: +92 312 5646537 · Monday to Saturday, 9am to 7pm (PKT).

2. What DiscountSplit does

Many bank cards give discounts at merchants. DiscountSplit connects a person who wants that discount but does not hold the card (the requester) with a nearby user who does (the card owner):

1. The requester posts a request with the merchant, the bill and the cards the offer works with.
2. A card owner accepts it.
3. The requester pays their share into escrow through our licensed payment partner, or in cash at a partner restaurant.
4. The card owner pays the discounted bill at the merchant with their own card and uploads the receipt.
5. The requester confirms. The card owner is then paid back what they paid plus their share of the saving.

DiscountSplit is a technology platform that arranges this match and the payment. We are not a bank, we do not issue cards, and we are not the seller of the merchant's goods or services. DiscountSplit is not affiliated with, or endorsed by, any bank or merchant unless we say so.

3. Pricing: how the saving is shared

The saving is the difference between the normal price of the bill and what the card owner pays with the card discount. The app shows every amount before anyone commits. Unless the app shows different terms for your area or request, the saving is shared as follows:

• All prices are in Pakistani Rupees (PKR) and include the applicable sales tax shown in the app.
• A payment processing fee may apply to digital payments. If it does, the app shows it before you pay.
• A requester may choose to "boost" a request, giving up part of their own share so the card owner earns more.
• Creating an account and posting or browsing requests is free.

4. Who can use DiscountSplit

• You must be at least 18 years old and able to enter a binding contract.
• You must give accurate information and keep it up to date, including your phone number and payout details.
• One person, one account. Keep your PIN private; you are responsible for activity on your account.
• We may ask you to verify your identity before you can send or receive payments.

5. Your responsibilities

Card owners agree to:

• Only accept requests for cards they personally hold and are entitled to use.
• Follow their bank's card and offer terms. You are responsible for checking that the offer allows the use you make of it.
• Pay the bill only after the app shows the requester's payment is held or the cash split is confirmed.
• Upload a genuine, complete receipt, and report it in the app if the merchant refuses or reduces the discount.

Requesters agree to:

• Enter the bill amounts honestly.
• Confirm promptly once they have been served, or reject the receipt if something is wrong.

Everyone agrees to treat other users with respect, meet only in public places such as the merchant's premises, and keep payments for a split inside DiscountSplit.

6. Things you must not do

• Upload fake, edited or someone else's receipts, or invent bills.
• Use a card that is not yours, or use stolen or unauthorised payment methods.
• Arrange payment outside the app to avoid the escrow or the platform fee.
• Use DiscountSplit for money laundering, fraud or anything illegal under Pakistani law.
• Harass, threaten or discriminate against other users.
• Create several accounts, or interfere with or copy the app.

We may suspend or close accounts that break these rules, hold or reverse affected payments, and report suspected crime to the authorities.

7. Payments, escrow and payouts

• Digital payments are processed and held by our licensed payment partner. Your card or wallet details are handled by that partner under its own terms.
• Money held in escrow is released only when the requester confirms, or automatically 24 hours after the receipt is uploaded if there is no dispute.
• Card owners are paid to the Easypaisa, JazzCash or bank account saved in their profile. Wrong payout details can delay payment.
• Refunds and cancellations follow our Refund & Cancellation Policy, which forms part of these terms.

8. Service delivery

DiscountSplit is a digital service delivered through our app. Nothing is shipped. A split is delivered when the card owner pays the bill at the merchant and you receive your goods or service there.

9. Disputes between users

If something goes wrong in a split, use the in-app tools first: cancel, reject the receipt or report a problem. Our team reviews the evidence from both sides and decides whether to refund the requester or release the payment to the card owner. You agree to cooperate with the review and accept its outcome for the money held in escrow, without affecting any other legal rights you have.

10. Merchants and bank offers

Bank offers are set by banks and merchants, and they can change, expire or have limits such as minimum spend, caps or valid days. We show offer information in good faith but cannot guarantee that a merchant will honour an offer. If the discount is refused or reduced, our refund policy applies. The merchant is responsible for the food, goods or services it sells.

11. Availability and changes

We work to keep DiscountSplit available, but it may sometimes be interrupted for maintenance or reasons outside our control. We may change features, areas served or these terms. If a change is significant, we will tell you in the app before it takes effect. If you keep using DiscountSplit after that, you accept the new terms.

12. Liability

To the extent Pakistani law allows:

• We are not liable for the acts of users, merchants, banks or payment partners, or for losses caused by your own breach of these terms.
• Our total liability to you for any split is limited to the amount you paid or were owed in that split.

Nothing in these terms limits liability that cannot legally be limited.

13. Closing your account

You can close your account at any time by contacting us, once you have no requests in progress. We may close or suspend accounts that break these terms. Records we must keep by law are kept as described in our Privacy Policy.

14. Governing law

These terms are governed by the laws of Pakistan. Any dispute that cannot be settled through our complaints process will be subject to the courts of Islamabad.

15. Contact

Scepterix SMC-Private (Limited), 780 Street 23, Block D, Top City-1, Islamabad, Pakistan
Email: hello@scepterix.com · Phone / WhatsApp: +92 312 5646537