Buy Now, Pay Later
Payment Solution
No account setup fees required. Customers can activate interest-free 3-installment payments without a credit card, supported by platform-exclusive promotions to help grow your business.
Enhance Market Competitiveness with X Pay Payment Solution
XPay, a top "Buy Now, Pay Later" payment platform in Hong Kong, is part of Zero Fintech Group Limited (Stock Code: 0093) and operates under XWallet App, offering a complete mobile payment solution for your business.
Attract Young Customers
Target tech-savvy Gen Z consumers and
reach more high-potential big spenders
Increase Conversion Rate
Customers pay just one-third at checkout,
reducing hesitation and delayed purchases
Drive Order Value
Increase consumer purchasing power by three
times, driving sales of higher-priced products
Improve Repurchase Rate
Flexible payment options enhance
shopping desire, encouraging repeat visits
Comprehensive Marketing Support
"Buy Now, Pay Later" solution combines payment processing with marketing support, helping your business grow effectively.
X Pay "Buy Now, Pay Later" Payment Solution: More Advantages
Our secure and low-risk mobile payment solution provides a robust foundation to drive your business forward, offering unparalleled convenience and reliability.
Young Customer Base
X Wallet App boasts a thriving community of over 160,000 active users, with more than 50% comprising the key consumer demographic of 90s and 00s.
Trustworthy
Backed by Zero Fintech Group Limited (Stock Code: 0093), our financial products are built on a foundation of reliability and industry expertise.
No Hidden Risks
Enjoy full settlement amounts within T+3 days, with complete transparency and no hidden fees, ensuring a seamless and risk-free experience.
X Pay "Buy Now, Pay Later": Redefining Partner Success
Innovative "Buy Now, Pay Later" payment solution empowers our partners to deliver superior shopping experiences, driving customer satisfaction and loyalty.
"The X Pay BNPL payment model offers greater purchasing flexibility for consumers, allowing them to feel less pressure when selecting more items or products at a higher price point, thereby boosting the overall average bucket size. It's definitely a great partner for our retail business!"
JC Beauty gains access to accurate customer insights and can optimize their marketing strategies accordingly."
Trusted by 1,000+ Enterprises
Become an X Pay Merchant
Enjoy Transaction Fees as Low as 1.5%
X Pay provides comprehensive support to help you expand your business, serving as your strongest backing, and seizing every opportunity for growth!
Achieve business opportunities with
X Pay Business App
