Clarification Statement: Any Promotion or Business Matters Related to “Xpays” Are in No Way Related to X Pay
X Pay (the “Company” or “We”) has recently become aware that there is a company called “Xpays” (the “Institution”) with a similar name to our own brand name. X Pay has always operated in a lawful and compliant manner. In order to prevent any public confusion or doubts about our services, X Pay hereby declares that any promotion or business matters related to the “Xpays” institution are in no way related to or never carried out by X Pay.


I'm Shopper

Shoppers' Frequently Asked Questions

Start using X Pay

X Pay is a payment option in the X Wallet App, the first A.I. instant loan in Hong Kong. It provides the function of buy now and pay later. You can freely and flexibly choose the consumption mode, and you do not need to pay the full amount in advance after purchasing products or services.

Through the merchants we cooperate with, you can choose X Pay as the payment option and scan our QR code at the cashier, and the payment will be automatically divided into up to 3 installments, respectively on the day of the purchase date, 1 month, 2 months Average payment.

We will not charge for any additional fees if each installment is paid on time.

Download the X Wallet App now and enjoy 0% interest payment option.

Please make sure to meet the following criteria before registering with us:

  • To use the X Pay service, users must be Hong Kong residents over the age of 18.

Please prepare the following materials for X Pay Account Setup:

  • Valid email address
  • Hong Kong Permanent ID Card
  • Credit/debit cards issued in Hong Kong (Visa/Master)

The minimum spending for a single purchase is HK$15.

In case of a delay in payment, a penalty will be imposed in accordance with our policies.

We will charge an one-off overdue fee HK$100 when user fail to repay.

Please contact your merchant directly to initiate the refund process. The refund will take up to five business days from the date of your order, and the refunded amount will be directly transferred back to the original credit card used for the transaction.

Bind your debit card or credit card (Visa/ Master) and pay your bill in the X Wallet app.

Here’s a sample breakdown of how X Pay works:

Order amount: HK$ 1,000

Pay in 3 installments with no service fee: HK$1,000/3

Monthly bill repayment = HK$333.33

Customers can choose to make a purchase and split the payment into 3 instalment, there is no any extra charge to customer if they repay the deferred payment on time.

Normally instalment option has a minimum spend and only available for a larger bucket size.X Pay targets a smaller bucket size purchase.

Instalment plan normally invovles fees and interest rate for overdue payments, while X Pay is interest-free.

If you have any questions, you may contact our service support via email at

In case if you did not receive response from us in 24 hours, we would suggest you to check the spam/junk mail.

I'm Merchant

Merchants' Frequently Asked Questions

Joining X Pay

We are continuously seeking new partners to become a part of the X Pay family. If you are interested in providing X Pay as a payment option, please contact us at and we will be in touch with you shortly.

Buy now, pay later can help the merchants to raise revenue as customer can enjoy 3 months free installments. This payment option can make products more affordable for customers who may not have the funds available to make a large purchase upfront.

We are looking forward to partnering with you. If you wish to use X Pay at your store, kindly reach us at for more information and our team will be in touch with you and see how we can meet your needs.

The merchant fee is vary, based on different industries and we will customize for you. Please contact our business development team:

Yes, customers can usually return items purchased through buy now, pay later. The refund will typically be processed by the merchant, and any payments made by the customer will be adjusted accordingly.

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