PalmX
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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 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.Your balance reaches every bank and wallet in Pakistan, through Raast.

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.No IBAN, no beneficiary to add.

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.Anyone can pay you, PalmX or not.

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.In from any account, out to any account.

The PalmX ecosystem

Seven connected pieces. One balance.

One balance behind all of it.

One PalmX balance

Top it up once. Every pillar below spends, splits and settles from the same place, instantly.Top up once. Everything spends from here.

Palm Pay

Scan your palm. Done.

QR Pay

No scanner nearby? Just scan the code.

Split

Split any bill in seconds. Everyone pays conveniently.

Groups

Your people, your perks, one tap away.

PalmX Perks

Perks that come with the palm.

Virtual card

Pay online anywhere cards are taken.

Send & receive

Any bank, any wallet — one link, via Raast.

Why PalmX

Fast. Convenient. Effortless.

Three reasons people switch, and none of them require you to change how you live.Three reasons people switch.

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.

Everyday efficiency

What that actually changes about your day.What it changes about your day.

Three places where losing the cash, the card and the phone stops being a slogan and starts saving you time.

FeatureEveryday impact
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.Flat battery, no signal, phone at home — you still pay.
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.Under 300ms at the counter.
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.You hover. Nothing is touched or shared.
Accessibility Built for the people small screens and thin cards fail — older users, limited dexterity, low vision. Nothing to hold, type, tap or read.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.No scanner near you? It still works like any wallet.

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
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Enrolment

Enrol once, in about a minute.

Three steps at any PalmX kiosk. You never do them again.Three steps at a kiosk. Once, ever.

A hand held over a PalmX reader
1

The palm scan

Hover your hand over the reader — you never touch it. Nothing to press, nothing shared, nothing to wipe down.Hover your hand. You never touch it.

2

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.Scan the kiosk QR in the app — the only time your phone is involved.

3

The final agreement

Approve how your palm signature is used and enter your six-digit passcode once. Done.Approve, enter a six-digit passcode. Done.

Swipe for more

After that your phone stays in your pocket. See a reader, hold your hand over it, paid — flat battery and all.After that your phone stays in your pocket.

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Everything else PalmX does

Six features. One balance. Keep scrolling. Swipe through.

Each card stacks on the last — the way the ecosystem does.One card at a time.

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.

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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-up Instant settlement Bank-held funds
See the Scanner
Palm PayUnder a second
QR PayAnywhere else
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.

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Lunch · Coffee shop Split · 4 ways
A Ali (paid the bill) Rs. 350
Z Zara Rs. 350
H Hassan Rs. 350
M Maryam Rs. 350 NUDGE
Rs. 1,050 of Rs. 1,400 settled
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.

See the perks
B28+

Your regulars

The people you're always eating with. Split the table without typing a single name.

MAS+

Your team

Collect for an event, settle a shoot, or surface a perk tied to that group's own night — not a generic offer.

F3A+

Your flat or floor

Groceries, deliveries, the shared bill nobody wants to track. One group, one running split.

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.

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PalmX Virtual
••••••••••••4820
Valid thru11/30 BalanceRs. 4,820
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 Browse the live directory of partner brands and the discount each one is running, then pay with your palm to claim it.
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Food & cafés

Counters on the high street, in the mall, and the spots in between.

Fashion & retail

Member pricing at partner brands, applied at checkout.

Entertainment & events

Concerts, screenings and the nights worth going to.

Tech & delivery

The subscriptions and deliveries a month actually runs on.

Swipe for more

Pay with your palm. Nothing else needed.

Early access is limited per location before the 30 November launch.

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