PalmPay turns a scan of your hand into a secure, rotating payment code. No cards. No cash. No extra hardware — just two phones and a tap.
Everything a card machine does — except there is no card, and no machine.
On enrollment, your phone maps 21 structural landmarks of your hand and compresses them into a SHA-256 master hash. Your biometric data never leaves your device — only the hash does.
A new code every 60 seconds. Screenshot fraud is dead on arrival.
The merchant's phone is the POS. The customer's phone is the card.
Funds settle straight into merchant bank accounts via Paystack subaccounts — automated, batched, and reconciled.
Card numbers are vaulted by Paystack and replaced with authorization tokens. Your servers never touch PAN data — keeping you out of PCI-DSS scope and hackers out of your database.
Hold your palm to your front camera. The app extracts your hand's unique geometry, hashes it on-device, and links your funding card through Paystack's secure vault.
At checkout, your app renders a live Code 128 barcode fused from your palm hash and the current time window. It rotates every 60 seconds and dies the moment it's used.
The merchant types the amount and scans your code with their phone. Our backend validates the token, charges the vaulted card, and splits the settlement — all in under two seconds.
We treat a photo of your barcode like a stolen card — because that's exactly what it is.
Join the network where your customers pay with their hands and your payouts land themselves.