Your business, now PALMA-enabled.
Accept palm payments, manage transactions, manage your team and track your money — PALMA is the fastest and most convenient way for your customers to shop and make payments. Fewer declined payments, faster checkout, no more counting cash.
Your customers can pay with just their palm.
No card. No phone. No cash.
Give your customers a faster way to pay. PALMA lets customers authenticate their payment with their palm while regulated payment infrastructure handles authorization and settlement.
One account for every terminal you run.
How it works
Three seconds at the till. Funds in your bank by tomorrow.
Register.
Sign up your business and complete KYB verification — NIN, BVN and CAC checks.
Set up.
Add your PALMA terminal, assign it to a store and register its geofenced home position.
Take payment.
Your customer presents their palm — authenticated in seconds. Card and QR accepted too.
Settle.
Funds settle to your verified bank account daily (T+1) — configurable on Pro.
Manage.
Track transactions, refunds, disputes and terminal health in your merchant portal.
Built for physical commerce
Everything a PALMA merchant needs. Nothing a generic POS has.
Palm checkout
Transaction reporting
Settlements
Itemized receipts
Staff and roles
Terminal health
Refunds and disputes
API and CSV export
Plans for every stage of your store.
We’re currently onboarding selected merchants for the PALMA pilot. Join us as we introduce a new way to pay in physical stores.
Pilot
Available now · By applicationBe among the first merchants to introduce palm payments to your customers.
Standard transaction fees waived during the pilot.
- Merchant dashboard
- Transaction history and monitoring
- Settlement tracking
- Refunds and basic analytics
- Single terminal
- Business and store settings
Pilot participation is subject to approval. Features and onboarding are confirmed during the application process.
Pro
Advanced merchant tools · PlannedFor businesses that need more control over their teams and deeper insights into their operations.
Pricing shared on request.
- Staff & RolesManage staff access and permissions, with audit logs.
- Advanced Analytics & ReportsGet deeper business insights with custom, scheduled reports.
- Multi-terminal managementRun several PALMA terminals across every store location.
- Configurable settlement cadenceChoose T+0, T+1 or T+2 settlement to match your cash flow.
- Priority support
- API access
Security is the product.
Geofenced terminals
Each terminal is tied to a 200-meter home fence. Off-site for more than 15 minutes and payments lock automatically.
Two-factor where it matters
Authenticator-app 2FA is optional for all merchant users and recommended for Owners.
Sessions that expire
Idle sessions time out after 15 minutes — conservative, because this is a financial portal.
PINs stay hidden
Transaction PINs, bank account numbers and KYB documents are never logged client-side in plaintext.
Server-side enforcement
Role checks run on every API call, not just in the interface.
Decimal money math
All financial figures use decimal arithmetic, never floating point.
Audit trail that lasts
Immutable staff audit logs retained for a minimum of 7 years.
Build PALMA into your checkout.
Merchants and payment partners integrate PALMA into existing commerce through APIs, SDKs and terminal infrastructure.
- 01 Payment intent
- 02 Palm authentication
- 03 Risk decision
- 04 Authorization
- 05 Receipt
POST /v1/payment-intents
{
"amount": 30000,
"currency": "NGN",
"order_id": "ord_123",
"preferred_method": "palm"
}
200 OK — intent created