X Pay BUY NOW PAY LATER

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“Buy now, pay later with X Pay, interest-free in 3 installments”.
Experience worry-free shopping today! Use X Pay to pay for your purchase in three installments with zero interest and zero handling fee.
X Pay is a built-in payment function in the X Wallet App that provides Buy Now Pay Later service.

Easily split your purchase into three interest-free installments, and you can bundle multiple credit or debit cards to pay for the same transaction flexibly. Purchase amount is automatically divided into three equal installments, which are deducted on the day of purchase, 30 days later and 60 days later.

How to use

Purchase amount is automatically divided into 3 equal installments, which will be debited on the day of purchase, 30 days later and 60 days later respectively.

Eligibility

- Hong Kong residents aged 18 or 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

- Supported Payment Methods: Debit Card or Credit Card (Registered Virtual Card issued by Visa / Master / Mox / Livi / ZA bank)

- Limit: Credit card up to HK$5,000, Debit card up to HK$3,000 (HKID verification is required)

- No extra charge for on-time payment, late payment penalty: maximum HK$100 per transaction.

X Pay vs Traditional Monthly Repayment Plan

- Lower threshold
- Full interest-free
- No hidden fees