V
VUKO
Early access · Q2 2026 cohort

Campus payments, finally cashless.

Students tap to pay. Parents see every rupee. Universities run a real-time, closed-loop economy. One card. One platform. Zero cash.

PCI DSS · ISO 14443
Tap in <0.8s
500+ institutions
V
VUKO
Closed Loop

Card holder

HAMMAD TUFAIL · FAST

•••• •••• •••• 4829

Tap to pay

Payment approved

Rs 180 · Cafeteria · 0.6s

VUKO Points

0 pts

Live · Network activity
Main CafeteriaRs 180· now
BookshopRs 650· 1s ago
Library PrintRs 25· 2s ago
Top-up+Rs 1,000· 3s ago
Canteen BRs 120· 4s ago
StationeryRs 340· 5s ago
Main CafeteriaRs 180· now
BookshopRs 650· 1s ago
Library PrintRs 25· 2s ago
Top-up+Rs 1,000· 3s ago
Canteen BRs 120· 4s ago
StationeryRs 340· 5s ago
Main CafeteriaRs 180· now
BookshopRs 650· 1s ago
Library PrintRs 25· 2s ago
Top-up+Rs 1,000· 3s ago
Canteen BRs 120· 4s ago
StationeryRs 340· 5s ago

500+

Schools & campuses

50K+

Active cards

12M+

Transactions cleared

0.8s

Avg tap-to-pay

Trusted by leading schools & universities across Pakistan

IBA Karachi
LUMS
NUST
Aitchison College
Beaconhouse
Karachi Grammar
Roots IVY
FAST NUCES
Bahria University
TCF Schools
IBA Karachi
LUMS
NUST
Aitchison College
Beaconhouse
Karachi Grammar
Roots IVY
FAST NUCES
Bahria University
TCF Schools
IBA Karachi
LUMS
NUST
Aitchison College
Beaconhouse
Karachi Grammar
Roots IVY
FAST NUCES
Bahria University
TCF Schools
How it works

Four steps to a cashless campus

A complete operating system for students, parents, and university administrators — designed to roll out in days, not quarters.

01

Receive your card

Each student gets a personalized VUKO NFC card linked to their campus wallet, issued in 48 hours.

02

Parents top up

Add funds online via bank transfer, debit, or one-tap Easypaisa / JazzCash. Settles in seconds.

03

Tap to pay anywhere

Cafeteria, bookshop, canteen, transport — every campus vendor approved in under one second.

04

Track everything

Real-time dashboards for parents, vendors, and administrators. Every rupee accounted for.

9:41●●●●

Hi, Sara

Ali's wallet

A

VUKO Points

0 pts

Daily limit

180 / 500 pts

Top up

Freeze

Limit

More

Today

View all →

Cafeteria

12:24 PM

-Rs 180

Bookshop

10:08 AM

-Rs 650

Top-up · Sara

8:30 AM

+Rs 1,000
!

Daily limit warning

Ali used 80% of today's budget

Just spent · Rs 180

For parents

Full visibility, zero anxiety.

See every rupee your child spends, in real time. Set limits, get alerts, send top-ups — all from your phone.

Daily spending limits

Per-day, per-vendor, per-category caps — change them any time.

Live transaction feed

Push-notified within seconds of every purchase your child makes.

Instant top-ups

Card, bank transfer, Easypaisa, JazzCash — funds land in seconds.

Category controls

Allow food, block snacks. Approve stationery, restrict canteen.

Freeze card

Lost card? One tap freezes it instantly. Unfreeze when found.

Weekly insights

Smart summaries: top vendors, peak days, savings trends, alerts.

For schools & universities

One dashboard for your entire campus economy.

Cards, vendors, transactions, reconciliations, analytics — managed from a single admin console built for finance teams.

dashboard.vuko.io/iba-karachi

Today · Tuesday, May 21

Campus Overview

LIVE

Active cards

2,847

+12%

Today's revenue

Rs 487K

+8%

Transactions

1,203

+15%

Weekly volume

Rs 2.84M total

MTWTFSS

Top vendors today

Main CafeteriaRs 184K
BookshopRs 126K
Canteen BRs 77K

Cashless operations

No cash handling. Every rupee digital, traceable, settled in real time.

Zero theft risk

Eliminate vendor skimming and cash theft. Full audit trail on every transaction.

Real-time analytics

Peak hours, top vendors, category trends — all updated as taps happen.

Bulk card issuing

Onboard 500+ students in one upload. CSV in, cards printed in 48 hours.

Multi-vendor settlement

Cafeteria, bookshop, canteen, transport — daily settlement, single ledger.

Plug & play readers

Pre-configured NFC readers that work out of the box. Wi-Fi or LTE.

Pricing

Transparent pricing. No hidden fees.

Pay only when students tap. No monthly fees, no per-vendor charges — just a one-time card cost and a small fee deducted at transaction.

Pilot

Try VUKO at one campus

Rs 0

for the first 3 months

Cards & readers included

  • Up to 250 cards
  • 1 vendor location
  • Parent + student apps
  • Standard NFC reader
  • Email support
Start free pilot
Most popular

Campus

Full school or university

Per-tap

fee deducted at transaction

+ Rs 499 one-time per card

  • Unlimited cards & vendors
  • Admin dashboard + analytics
  • Bulk issuing & branding
  • Daily settlement to vendors
  • Priority support · 4hr SLA
  • No monthly fees, ever
Talk to sales

District

Multi-campus institutions

Custom

volume pricing

Negotiated per-tap rate

  • Everything in Campus
  • Multi-tenant console
  • SSO + role-based access
  • Custom card designs
  • Dedicated success manager
  • 99.99% uptime SLA
Book a demo

All plans include PCI DSS compliance, 256-bit encryption, and 24/7 system monitoring. Questions?

Why VUKO

Infrastructure schools actually trust.

Built with the rigor of banking infrastructure, scaled for the chaos of a Pakistani campus.

Closed-loop architecture

Funds never leave the campus ecosystem. No external exposure. Zero settlement risk for institutions.

Real-time analytics

Every tap streams to your dashboard. Spending patterns, vendor performance, anomaly alerts — all live.

Vendor settlement

Daily auto-settlement to vendor accounts. Reconciliation reports generated nightly, audit-ready.

Enterprise infrastructure

99.99% uptime SLA. Handles thousands of concurrent taps. Disaster recovery in two regions.

PCI DSS Compliant
256-bit AES Encryption
ISO 14443 NFC
Closed-loop System
99.99% Uptime SLA
The card

Engineered to last, designed to impress.

V
VUKO

Matte Black

Card holder

HAMMAD TUFAIL · FAST

•••• 4829

Tap to pay

MaterialPremium matte PVC composite
TechnologyNFC · ISO 14443 Type A/B
ChipSecure element · EAL5+
RangeUp to 4 cm tap distance
Lifespan5+ years · 100K+ taps
PersonalizationName, photo, school logo

Custom-printed with your institution's branding. Photo + name + ID on every card.

FAQ

Questions, answered straight.

Everything administrators and parents ask before going cashless.

Most schools are live in 48 hours from agreement. We ship pre-configured NFC readers and pre-printed cards. Onboarding includes a 1-hour admin training session and a dedicated launch manager for the first week.

Still have questions? hello@vuko.io

Limited Q2 2026 cohort

Make your campus cashless in 48 hours.

Join 500+ institutions already using VUKO. Get a free 3-month pilot and we'll set up your campus, train your staff, and ship cards on us.

Free 3-month pilotNo setup feesCancel anytime