Pay with your palm

PalmX — pay with your palm. The cashless, cardless, phoneless lifestyle.

Hover your hand. You've paid.

Life is fast pay faster

Discover PalmX

Leave the cash, the cards and the phone. Bring your hand.

PalmX is the cashless, cardless way to pay in Pakistan. Enrol your palm once, then hover it over a PalmX reader and you've paid in under a second, straight from one balance. No card to tap, no PIN, no phone to unlock.

That same balance splits any bill instantly, sends to any bank or wallet, pays online with a virtual card, and unlocks member perks at partner counters. Funds are held with a licensed EMI partner and regulated by the State Bank of Pakistan.

See how it works
Someone reaching to pay at a PalmX reader in a busy café Under 300ms · Nothing to touch
CashlessCardlessPhonelessCafésCoffee shopsRestaurantsMallsRetail brandsMega eventsSupermarketsSplit any billMember perks
How it works

Once to set up. A second to pay.

Enrolment takes about a minute at any PalmX kiosk. After that there is nothing to carry, nothing to remember and nothing to touch. Your palm is the payment.

01

Enrol your palm

Once, at any PalmX kiosk. About a minute, and free.

02

Hover your hand

Over the reader at the counter. No contact, no card, no PIN.

03

Paid

Under a second, straight from your PalmX balance.

For peoplePay, split, send and save from one balance
For brandsA PalmX reader on your counter, installed free
Regulation
State Bank of PakistanFunds regulated by the State Bank of Pakistan
One balance
  • Palm PayUnder a second, nothing to carry
  • QR PayNo reader nearby? Scan the code
  • Split any billEveryone settles instantly, wallet to wallet
  • Send & receiveAny bank, any wallet, one link via Raast
  • Virtual cardPay online anywhere cards are taken
  • Member perksDiscounts at partner brands, applied automatically
See how it all works
The scanner

Faster than a fingerprint. Safer than a password.

Hover your hand and the reader turns it into an encrypted palm signature, a number rather than a picture. The image is discarded at read time and never leaves the reader.

Just hover
Reads in300ms

Hover, read, done. No PIN, no signature, no terminal to wait on.

At the counter
Images stored0

Only an encrypted number is kept, held by the regulated EMI partner.

Put one on my counter How the data is held
Questions
What is PalmX? The basics

PalmX is a registered Pakistani fintech company, founded by Muhammad Talha Ahmad, that makes a palm payment app and e-wallet. Enrol your palm once, then pay in under a second by hovering your hand over a PalmX reader — no cash, no card, not even your phone. The same balance splits bills, sends to any bank or wallet via Raast, and unlocks member perks.

Who is PalmX for? Everyone

Everyone. If you can hold up your hand, you can pay with PalmX. There's no card to manage, no PIN to remember and nothing to open at the counter, which makes it as workable for someone who dislikes apps as for someone who lives in them.

Where can I use PalmX? Nationwide

Anywhere a PalmX reader is installed across Pakistan (cafés, coffee shops, restaurants, retail counters, malls and events) and anywhere else through QR or your virtual card. New locations open continuously.

Is my palm data safe? Security

No image of your hand is stored anywhere. The scanner converts the scan into an encrypted numeric token, your palm signature, and discards the picture. That token can't be turned back into an image and means nothing outside the system that issued it. It is custodied by the regulated EMI partner, just as your card details are. Read the security note.

When does it go live? 30 Nov 2026

The first locations go live on 30 November 2026, and more open on a rolling basis after that.

What does it cost to use? Free to join

Enrolling your palm is free. Full pricing details will be published before launch.