Get everything you need now, pay over 3 months.
Pay now or later, your call! We’ll send you reminders and cap late fees to encourage your healthy spending habits.
Complete the payment with different credit or debit cards flexibly at your wish.
X Pay sets a personalized spending limit for you to avoid overspending. We do not check the TU credit rating upon open an account.
Pay in 3 terms flexibly.
Interest-free.
Make it simple
to fit your budget.
No handling fees, no hidden fees.
Exclusive offers
at your favourite stores.
Bind different cards to complete one transaction
Unlock business growth with X Pay
Give your customers a smarter way to pay over time, without interest fees. They'll love it.
- Increase shopping cart size and conversion with multiplied purchasing power and X Pay exclusive offers.
- No upfront set up fees. X Pay provides you with full access to the Merchant Portal to manage business easily.
- Though your customers pay in 3 terms, merchant get paid upfront just days after the transaction is completed.
Shop with X Pay,
Flex your way to pay
Get your welcome offer treat from us when you download the X Wallet App and discover a whole new way to pay over time with X Pay, Buy now Pay Later!
