The app
Your whole balance, in one app.
A full e-wallet first: top up, send, receive, scan a QR, pay online with your virtual card.
Then palm, splits, groups and perks on top — all from one balance, with receipts and history you can actually read.
How it works
Everything PalmX does.
One balance, spent by palm, by QR or with a virtual card — then splits, groups, perks and transfers to any bank in Pakistan on top. Here is all of it, in order.
Send & receive
One click. One link. Any bank, any wallet.
Your PalmX balance connects to Pakistan's payment rails through your Raast ID — so money moves to and from every bank account and every e-wallet in the country, not just other PalmX users.
01
Pay anyone in one click
A phone number, a Raast ID or an account number — send and it lands. No IBAN typing, no beneficiary to add first, no waiting period.
02
One link does it
Share a payment link and anyone can pay you — whichever bank or wallet they use, whether or not they're on PalmX.
03
Every bank. Every wallet.
Money in from any account, money out to any account. Your PalmX balance behaves like every other account you hold — it simply pays by palm as well.
The ecosystem
Seven connected pieces. One balance.
Top it up once. Every piece below spends, splits and settles from the same place, instantly.
01
Palm Pay
Scan your palm. Done.
02
QR Pay
No scanner nearby? Just scan the code.
03
Split
Split any bill in seconds. Everyone pays conveniently.
04
Groups
Your people, your perks, one tap away.
05
PalmX Perks
Perks that come with the palm.
06
Virtual card
Pay online anywhere cards are taken.
07
Send & receive
Any bank, any wallet — one link, via Raast.
∞
One PalmX balance
Behind all of it. Top up once; everything spends from here.
Why PalmX
Fast. Convenient. Effortless.
Three reasons people switch, and none of them require you to change how you live.
Speed
Under a second at the counter — no PIN, no signature.
Skip the line, anywhere PalmX is accepted.
Convenience
Wallet at home, phone dead, card demagnetised — none of it matters.
Your palm is the one thing you always have, and you never touch the reader to use it.
Ease of use
One enrolment, then the whole interaction is holding up your hand.
The same two seconds at any age.
- Dead-phone proof
- Battery flat, no signal, phone at home? You still get through the gate and still buy the groceries. The reader matches your palm signature in the cloud, without your phone.
- Hands-free speed
- Transactions process in under 300 milliseconds. Faster than unlocking a phone and lining up a QR code — across a lunch rush, that difference is the whole queue.
- Hygienic by design
- You hover — you never touch the reader, a keypad, or hand a card to anyone. Nothing is shared between customers, which matters at a counter hundreds of people pass through in a day.
- Accessibility
- Built for the people small screens and thin cards fail — older users, limited dexterity, low vision. Nothing to hold, type, tap or read.
<300msTo process a payment
30sOne-time enrolment
0Things to carry
More than a wallet
Everything an e-wallet does. Then the palm.
No scanner near you? Use PalmX exactly like any other wallet — it just happens to do more once you reach one.
What every wallet gives you
- Top up and hold a balance
- Send money to anyone on PalmX
- Scan a QR to pay a merchant
- Send and receive with any bank account or wallet
- Receipts, requests and history in one feed
What PalmX adds on top
- Send to any bank or wallet — one click, one link, via Raast
- Pay with your palm — under a second, nothing to carry
- Split any bill instantly — everyone settles wallet to wallet
- Groups — your people saved once, split in one tap
- Perks — member discounts at every partner brand, applied automatically
- A virtual card — for anywhere online that takes cards
Enrolment · about a minute, once
Enrolment
Enrol once, in about a minute.
Three steps at any PalmX kiosk. You never do them again.
- 01 · The palm scan
- Hover your hand over the reader — you never touch it. Nothing to press, nothing shared, nothing to wipe down.
- 02 · The phone link
- Scan the kiosk's one-time QR in the PalmX app. That ties the hand to your account — the only moment your phone is involved.
- 03 · The agreement
- Approve how your palm signature is used and enter your six-digit passcode once. Done.
After that your phone stays in your pocket. See a reader, hold your hand over it, paid — flat battery and all.
Everything else
Six features. One balance.
Ways to pay
Palm at the counter. QR everywhere else.
Hold your palm over the reader and go, or scan the code where there isn't one.
Online, your virtual card covers the rest — and money moves to any bank account or wallet with a single link.
One top-upInstant settlementBank-held funds
Split, instantly
No more chasing people for Rs. 200 on WhatsApp.
One person pays. Hit Split This Bill on that transaction, pick a group or friends, and everyone settles from their own balance — wallet to wallet, in seconds.
Groups
Your people, your perks, one tap away.
Family, flatmates, your team, your regulars — saved once, so splitting takes one tap instead of four searches, and group perks land where they're actually relevant.
Your regularsYour teamYour flat or floor
Virtual card
A card for everywhere PalmX isn't — yet.
Your PalmX balance comes with a virtual card you can use online, in apps and on any site that takes cards.
Freeze it, unfreeze it or roll the number from the app, and every spend lands in the same activity feed as your palm payments.
PalmX Perks
Perks that come with the palm.
Member pricing across food, fashion, entertainment and tech — unlocked automatically at partner checkouts. Nothing to claim, no code to remember.
Every partner brand is listed in the app, with the discount each one is running.
Food & cafésFashion & retailEntertainment & eventsTech & delivery
Pay with your palm. Nothing else needed.
Early access is limited per location before the 30 November launch.