How to use XPay?

1/ Download the X Wallet App (X Pay Buy Now Pay Later | Enjoy Welcome Offers)
2/ Enter your Hong Kong mobile phone number and email address to register
3/ Activate X Pay (Existing users can skip this step)
4/ Scan the X Pay QR code to pay
5/ After payment is completed, please send the payment proof via Send via WhatsApp to 9545 0240.
6/ The store will confirm the payment and place the order.

Buy now, pay later in three interest-free installments with X Pay

Experience worry-free shopping today! Use X Pay to buy now, pay later in three installments, with zero interest and zero fees.

X Pay yes X Wallet App The built-in payment feature offers a Buy Now Pay Later service. Easily split your purchase into three interest-free installments, and you can link multiple credit or debit cards for flexible payment options. Your purchase will automatically be divided into three equal installments, with payments deducted on the purchase day, 30 days later, and 60 days later.

 

How to use

The purchase amount will be automatically divided into three equal installments, which will be deducted on the purchase day, 30 days later, and 60 days later.

 

Eligibility

  • Hong Kong residents aged 18 and above
  • Valid email address
  • Hong Kong Permanent Identity Card
  • Visa/Master credit or debit card issued in Hong Kong

 

Important Information

  • Minimum spending per purchase: HK $ 15
  • Payment methods supported: Debit or credit card ( Visa / Master / Mox / Livi / ZA bank Registered virtual card issued
  • Instalment limit: HK$ 5,000 for credit cards and HK$ 3,000 for debit cards (Hong Kong ID card verification required)
  • Up to 3 installments, no extra fees for on-time repayment
  • Late payment penalty: Up to HK $ 100 per transaction

 

X Pay vs Traditional Monthly Payment Plan

  • Lower threshold
  • Interest-free throughout the process
  • No hidden fees

    【 Usage Tutorial 】

https://youtu.be/CA6F-zJK3Tk?feature=shared

 

Customer Support

If you have any questions, please email us at: support@zero-xpay.com

Learn more: https://zero-xpay.com/en/