Experience worry-free shopping today! Use X Pay to buy now, pay later in three installments, with zero interest and zero handling fees.
X Pay is a built-in payment function of X Wallet App, providing Buy Now Pay Later service.
Easily split your purchase into three interest-free instalments and bind multiple credit or debit cards for flexible payment of the same transaction. 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.
今日から安心してお買い物をお楽しみください！X Pay をご利用いただくと、金利・手数料ともに0円で、3回に分けてお支払いいただけます。
X Pay は X Wallet アプリに内蔵された決済機能で、今すぐ購入して後で支払うサービスです。
ご購入金額を3回に分割払い（金利0円）し、複数のクレジットカードまたはデビットカードを登録することで、同じお取引を柔軟にお支払いいただけます。ご購入金額は自動的に3回に均等に分割され、ご購入日、30日後、60日後に引き落とされます。
What is X Pay?
X Pay is a payment option in X Wallet App, the first A.I. loan approval app in Hong Kong. It provides a “buy now, pay later” function. You can choose the consumption mode freely and flexibly. You don’t need to pay the full amount in advance after purchasing products or services.
With our X Pay merchants, you can select X Pay as a payment option and scan our QR code at the checkout to automatically split your credit card payment into up to 3 instalments, payable on the day, 30 days, and 60 days after the purchase date. You can also choose to pay the full amount in one lump sum via credit card.
If the due fees are paid on time, X Pay will not charge you any additional fees.
Download the X Wallet App now and enjoy 0% interest payment options.
How to use and pay?
Download the mobile app X Wallet and register your personal information (ID name, date of birth, ID number, etc.). You can submit or not submit your ID card. If you do not submit your ID card, the X Wallet transaction limit is $500. With multi-factor authentication, the transaction limit is $5000.
If you do not submit your ID card for verification, you must complete at least the following 2 steps to use the payment service (X Pay) immediately:
人確認のため身分証明書をご提出いただけない場合、決済サービス（X Pay）を即時ご利用いただくには、少なくとも以下の手順を完了していただく必要があります。
💳 The method of use and registration is very simple, just like AliPay, you only need to download Apps (X-Wallet), register with ID card (3DS security), and register a credit card (or Apple pay).
The purchase amount will be automatically divided into 3 equal installments, which will be deducted on the purchase day, 30 days later and 60 days later.
| 1️⃣ Download X Wallet (Google Play or Apple App Store) | ➡️ | 2️⃣ Register X Pay (activate location, mobile number and email address) (Optional: Scan ID card and enable biometric authentication) | ➡️ | 3️⃣ Register a credit card or Apple Pay(3DS Authentication) |
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Steps
Step 1/ Download X Wallet App (X Pay Buy Now Pay Later | Enjoy Welcome Offers)
Step 2/ Enter your Hong Kong mobile phone number and email address to register
Step 3/ Open X Pay (Existing users can skip this step)
Step 4/ Scan the X Pay QR code to pay
♥️ Healthy Express X Pay QR code
Warm reminder, remember to select the coupon at the bottom of the screen, X Pay will automatically deduct the discount when you pay for the order.
Step 5/ After payment is completed, please take a screenshot and send it to us. You can upload the screenshot directly on the website or send it to us via E-Mail or WhatsApp.
Upload the screenshot to us, our contact information will be included in the order confirmation email or WhatsApp or SMS
Eligibility
• Hong Kong residents aged 18 and above, and living in Hong Kong
• Valid email address
• Hong Kong Permanent Identity Card
• Visa/Master credit or debit card issued in Hong Kong
Important Information
• Minimum purchase amount per purchase: HK$15
• Payment methods supported: Debit or credit card (virtual card issued by Visa / Master / Mox / Livi / ZA bank)
• Instalment limit: HK$5,000 for credit cards and HK$3,000 for debit cards (Hong Kong identity card verification required)
• No extra fees for on-time repayments, 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
YOUTUBE tutorial:
X Pay registration tutorial makes payment easier!
Let users know at a glance X Pay registration tutorial, payment is easier!
How does X Pay protect customer interests and credit card security?
X Pay is a financial product of a subsidiary of the listed company Zero Fintech Financial Group Co., Ltd. (00093). It has a strong reputation guarantee to ensure the safety of users' funds and privacy.
Prevent your credit card from being stolen
Real-name registration is required. Whether you use your own credit card or another family member's credit card, your ID card and biometric authentication technology will be used. Each credit card can only be registered once. Duplicate registration will result in the account being locked immediately. In addition, the location of the mobile phone will be detected when shopping to ensure that it can be used by Hong Kong residents and those living in the area.
Adopting the industry's most advanced multi-factor authentication
Through facial recognition, phone number authentication and email address authentication, the user's identity is ensured. No ID card verification and facial recognition are completed, and only $500 spending limit is available.
Frequent Asked Question
- How can I get a rebate (e.g. $50) when I use X Pay to pay for an order?
When paying related fees with X Pay, please click to select the coupon in Apps, and the app will deduct the relevant discount from our order. - Do I get rebates every time I use X Pay?
All rebates are provided by relevant payment companies and credit cards until further notice. Generally speaking, each order will be discounted by $20 to $30. - How is the X Pay buy now, pay later instalment calculated?
Answer: X Pay’s Buy Now Pay Later (BNPL) instalment calculation method is very simple and transparent.
The total amount is divided into 3 instalments: When you use X Pay to make a purchase, the total amount will be automatically divided into three installments. Each instalment amount is one-third of the total amount.
Interest-free payment: All three instalments of payment using X Pay’s buy now, pay later payment method are interest-free, with no interest or handling fee.
Payment cycle: The first instalment will be paid on the day of consumption, and the remaining two instalments will be paid within the next two months.
Example: You use X Pay to pay for a product on January 1st. The first instalment will be paid on January 1st, the 2nd instalment will be paid on February 1st, and the 3rd instalment will be paid on March 1st. - When using X Pay to buy now, pay later, Must I need to pay in 3 instalments?
Answer: No. You can choose to pay the full amount in one lump sum by credit card.
Steps: In the bill details, check "Agree to the terms and conditions", select ALL 3 instalments, and then click "Pay Now".
- Is it okay if I don’t provide my ID card Scan and face ID recognition?
Answer: Since X Pay is a prepaid form of shopping consumption, for risk management and security considerations, customers need to provide real-time ID Card verification and personal identification biometric verification during account opening. However, XPay can accept users without providing ID and face recognition, but the Paylater limit is only $500. - Why can't I use X Pay to pay for purchases when I am out of town?
Answer: For risk management and security reasons, and to protect consumers, the app will verify that users must use the prepaid consumption payment within Hong Kong. The mobile app must have location (GPS) activated. - Are there any fees or additional charges for using X Pay's buy now, pay later payment service?
Answer: You will not be charged any fees or additional charges when using X Pay (Buy Now Pay Later) to make purchases.
Please note that other handling fees or administrative fees may be incurred if the payment deadline is exceeded. - How can I get a refund for a bill paid using X Pay?
Answer: Please contact us directly to process a refund. Refunds will be processed within a maximum of 5 business days from the date of your order and the refund amount will be transferred directly back to the credit/debit card used for the transaction.
How to contact X Pay?
If you have any questions, please email our customer service department: support@zero-xpay.com
If you do not receive a response from us within 24 hours, please check your spam folder.
Money Lender License Number: 0942/2024
Hotline: +852 2531 0333
WhatsApp: +852 2531 0331
Email: support@zero-xpay.com
Service hours: Monday to Friday 9:00am to 6:00pm (except public holidays)
Office address: Room 2108A, 21/F, COSCO Tower, 183 Queen's Road Central, Sheung Wan
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