Split any bill in seconds
One of you pays, everyone settles from their own balance instantly. No chasing people for Rs. 200 on WhatsApp for a week.
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For universitiesPalmX on campus.
PalmX is built for everyone — campuses are simply where it goes live first. This is the campus side of it: enrolment desks, society partnerships, café readers, and what students get on day one.
LUMS launch in
More than payments
Everything campus money actually involves.
Paying is the entry point. The rest of the ecosystem is what you'll use every week.
Uni Groups
Your batch, your society, your floor — saved once, so splitting takes one tap and society perks land where they're relevant.
PalmX Perks
Member pricing across food, fashion, entertainment and tech — applied automatically, nothing to claim.
At the counter
Built for the gap between two classes.
Under a second to pay
Hold your palm over the reader and go. No PIN, no signature, no waiting on a card machine to wake up.
No reader? Use the code
QR Pay covers counters without a scanner, and money moves to or from any bank account or wallet with one link.
Nothing to touch
You hover, you never press. No shared keypad, no card handed over, nothing left behind on a surface — more hygienic than any other way of paying at a counter.
Enrolment
Thirty seconds, once.
- Find the deskEnrolment desks run through the three-day launch event at LUMS and stay on campus after.
- Scan your palmHold your hand over the reader — you never touch it. The scan becomes an encrypted palm signature, and the image is discarded.
- Top up onceOne balance runs Palm Pay, QR Pay, splits and perks — there's nothing to move between them.
Founding members go first
Enrolment slots on launch week are limited. Waitlist members get theirs before the walk-up queue — and every classmate who joins with your referral link moves you further up.
LUMSLive 30 Nov 2026
LSEConfirmed next
BNUConfirmed next
Where you'll see us
On campus, not in an ad break.
The launch event
A three-day takeover at LUMS — enrolment desks, café demos and the first palms on the system, then on to the next location.
40+ societies
More than forty societies are in the pipeline to run PalmX at their events — and to get perks tied to their own nights.
The moments that matter
Orientation weeks, society nights, exam season — wherever the queues are longest and the splits messiest, PalmX shows up first.
Powered by OPay
Funds regulated by the State Bank of Pakistan
Your funds are held with OPay, a multinational financial technology company, and regulated by the State Bank of Pakistan. PalmX is an e-wallet ecosystem — it doesn't hold your balance itself.
Bring PalmX to your campus.
Founding memberships are limited per campus before the 30 November launch.