Biometric Palm Payment

Pay with your palm

No card · No phone · Just your hand

Enrol your palm once at a participating merchant, top up your wallet in the app, then pay by hovering your palm over the reader — in under a second.

Get the app How it works
  • < 1 second Verification at the point of sale
  • No palm images Encrypted digital templates only
  • PDPL Aligned with the Saudi Personal Data Protection Law
  • Designed to comply with Saudi Central Bank (SAMA) regulations

How does KF Pay work?

Four steps, once — then your hand is all you need.

  1. Download the app and sign up

    Enter your mobile number and name, and a verification code activates your account.

  2. Enrol your palm once

    On your first visit to a participating merchant: 3 captures in under a minute, with your consent via a verification code.

  3. Top up your wallet

    In the app, with your card through a secure payment page. 1 point = 1 SAR.

  4. Pay by hovering your palm

    Hover your palm over the reader at any participating merchant — and get an instant notification for every transaction.

Why KF Pay?

Ease, security and privacy — in a single hover.

  • No card, no phone

    Your palm is the way you pay. There is nothing to carry to the counter.

  • Live recognition rejects photos

    The reader captures your palm in two modalities (infrared and visible light) and accepts only a real hand — photos and screens are rejected.

  • Privacy built in

    We never store an image of your palm — only an encrypted digital template that cannot be turned back into an image.

  • Instant notification for every transaction

    A notification reaches your phone the moment you pay, and you can follow all your transactions in the app.

  • Easy wallet and top-up

    Top up in the app with your card through a secure payment page, and check your balance any time.

  • Self-service account deletion

    Delete your account from the app at any time, and your palm templates are erased with it.

KF Pay receiving its recognition on stage at the UNESCO Global Forum on the Ethics of AI in Riyadh
UNESCO Global Forum on the Ethics of AI — Riyadh
Authority
SDAIA
Occasion
UNESCO Global Forum on the Ethics of AI
Location
Riyadh
Recognition

Honoured by SDAIA at the UNESCO Global Forum on the Ethics of AI

By the grace of God, we are proud to have been honoured by the Saudi Data and Artificial Intelligence Authority (SDAIA) at the UNESCO Global Forum on the Ethics of Artificial Intelligence — held for the first time in the Middle East, in Riyadh.

As the first company with 100% Saudi technology in palm payment 🇸🇦✨

A new milestone that reflects our commitment to innovation and to delivering the latest digital solutions to our customers.

Security and privacy

Your palm identifies you; it does not hold money — and your data protection is built into the product.

Encrypted in transit and at rest

Encrypted transport (TLS) between all system components, and encryption of templates in storage.

No palm images

Palm images are never stored — encrypted digital templates only, which cannot be reversed into an image.

One scan, one transaction

Every scan is bound to a specific payment order and cannot be reused.

Audit log and attempt limits

An audit log for every verification, and limits on repeated failed attempts.

Explicit consent and self-service deletion

Explicit consent at enrolment, and self-service account deletion with template erasure — in line with the Saudi Personal Data Protection Law (PDPL).

Designed to comply with SAMA

Funds move only after recognition, in one isolated step, with a design oriented to compliance with Saudi Central Bank regulations.

  • PDPL
  • TLS
  • No images
  • Designed to comply with SAMA

KF Pay is designed to comply with Saudi Central Bank (SAMA) regulations for Know Your Customer, counter-fraud and cybersecurity.

Read the privacy policy

For merchants: where is KF Pay used?

A palm-only experience for your customers — enrolment in under a minute, payment in under a second.

Restaurants, cafés and retail

Palm payment, loyalty programmes and prepaid subscriptions.

Family entertainment centres

Play credit tied to the child's identity, not a card that gets lost.

Catering and residential camps

Meal entitlement recorded per person.

Gyms and gated facilities

Membership and access without a card that can be lent.

Join as a merchant — contact us

Coming soon

  • Enrolment with a phone camera, without a reader
  • English app interface
  • Branches and roles for chains

A look at the app

Your wallet, your balance and all your transactions — in one place.

KF Pay KFPAY

Get the KF Pay app

Sign up with your mobile number, top up your wallet, and follow every transaction with an instant notification.

Google PlayApp Store

Available for Android and iOS · English app interface coming soon

Frequently asked questions

Is an image of my palm stored?

No. The reader converts your palm into an encrypted digital template; the image is neither stored nor transmitted, and the template cannot be reversed into an image.

What if I am not recognised?

No payment is made without successful recognition. Hover your palm over the reader again; the cashier's device shows live guidance on placement and lighting.

Do I need my phone to pay?

No. Your palm is all you need at the counter. The app is for signing up, topping up and following your transactions, and it delivers an instant notification for every payment.

How do I top up?

In the app: choose a top-up amount and pay with your card through a secure payment page, and the balance is added to your wallet.

How do I delete my account?

Directly inside the app, at any time. On deletion your palm templates are erased from the system. You will also find the "Delete account" link at the bottom of this page.

Does it work at any merchant?

KF Pay works at participating merchants equipped with a KF Pay palm reader. Enrol your palm once at the first participating merchant you visit, then pay at any other participating merchant.

What is a point?

A point is the balance unit in your KF Pay wallet: 1 point = 1 Saudi riyal. When you pay, points equal to the amount are deducted.