Sell with X Pay

With X Pay, customers get what they want, interest-free, zero fees, 3-month installments. Love them, keep them lifelong.

Enhancing Market Competitiveness

Brand new shoppers

75% of 'Buy Now, Pay Later' users are Gen Z consumers, Make them yours too.

Rapid Growth

According to a US retail report, 50% of respondents have used 'BNPL' for purchases, with an 85% annual increase in 2021

Better conversions

Shoppers can make immediate purchases with less hesitation and greater flexibility, getting exactly what they want.

X Pay have elevated the shopping experience for these partners and more

It's a win-win situation for everyone when shoppers can divide their purchase into three, interest-free payments.

Connect with the world’s best shoppers

Merchants benefit from no account setup fees and free access to the transparent X Pay For Business merchant dashboard, making it easier to manage your business.

Too Chill

X Wallet App: Powerful Foundation


X Pay Active Users


Users are Gen Z

Listed company

Financial products offered by a subsidiary of Termbray Industries International (Holdings) Limited (00093)。

Let X Pay Help Your Business Grow

X Pay provides comprehensive support to help you expand your business, serving as your strongest backing, and seizing every opportunity for growth!

Our comprehensive financing solutions support small and medium-sized enterprises in all aspects, whether it's addressing sudden funding needs or expanding business. We will assist you in seizing various opportunities.

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X Pay Business App

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