Get More Time to Pay
Buy Now, Pay in 3 installments with X Pay (Day 1, 1 month apart and 2 months apart). HK$0 interest and hidden fee.
01
![輕鬆付款](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/icon-01-250x250-1.png)
Flexible Payment
Get everything you need now, pay over 3 months.
02
![Free installment](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/icon-05-250x250-4.png)
Free installment
No handling fees, no hidden fees.
03
![Virtual Payment](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/icon-06-250x250-4.png)
Virtual Payment
Complete the payment with different credit or debit cards flexibly at your wish.
01
![輕鬆付款](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/icon-01-250x250-1.png)
Flexible Payment
Get everything you need now, pay over 3 months.
02
![Free installment](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/icon-05-250x250-4.png)
Free installment
No handling fees, no hidden fees.
03
![Virtual Payment](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/icon-06-250x250-4.png)
Virtual Payment
Complete the payment with different credit or debit cards flexibly at your wish.
Get started with X Pay
Step 1
Sign Up and Scan QR Code
Download X Wallet App and Scan X Pay QR code at the store.
![Download X Wallet App and Scan X Pay QR code at the store.](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/website手機圖-掃描二維碼頁.png)
![](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/next_step_right.png)
![](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/next_step_left.png)
![Bind your credit card or debit card as payment method.](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/step-2-en.png)
Set up Payment Method
Bind your credit card or debit card as payment method.
Payment security is our priority. 3DS Verification and data encryption are enabled through a PCI-verified payment gateway provider.
Step 3
Confirm Payment
Split your payment into 3 equal terms at the tap. Pay 1/3 at the point of purchase, and schedule the rest in 1 and 2 months apart.
![Split your payment into 3 equal terms at the tap. Pay 1/3 at the point of purchase, and schedule the rest in 1 and 2 months apart.](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/選擇付款項目-en.png)
![Download X Wallet App and Scan X Pay QR code at the store.](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/website手機圖-掃描二維碼頁.png)
STEP 1
Sign Up and Scan QR Code
Download X Wallet App and Scan X Pay QR code at the store.
![Bind your credit card or debit card as payment method.](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/step-2-en.png)
STEP 2
Set up Payment Method
Bind your credit card or debit card as payment method.
![Split your payment into 3 equal terms at the tap. Pay 1/3 at the point of purchase, and schedule the rest in 1 and 2 months apart.](https://zero-xpay.com/wp-content/uploads/sites/4/2023/05/選擇付款項目-en.png)
STEP 3
Confirm Payment
Split your payment into 3 equal terms at the tap. Pay 1/3 at the point of purchase, and schedule the rest in 1 and 2 months apart.
Why People Love X Pay
![Get everything you need now, pay over 3 months.](http://zero-xpay.com/wp-content/uploads/sites/4/2024/06/flexible-payment-EN.png)
![](http://zero-xpay.com/wp-content/uploads/sites/4/2023/05/shop_online.png)
Get everything you need now, pay over 3 months.
![X Pay sets a personalized spending limit for you to avoid overspending.](http://zero-xpay.com/wp-content/uploads/sites/4/2023/05/付款成功-en.png)
![](http://zero-xpay.com/wp-content/uploads/sites/4/2023/05/scan_to_pay2.png)
X Pay sets a personalized spending limit for you to avoid overspending.
Pay now or later, It's your call! We’ll send you reminders and cap late fees to encourage healthy spending habits.
![Complete the payment with different credit or debit cards flexibly as you wish.](http://zero-xpay.com/wp-content/uploads/sites/4/2023/05/綁卡-en.png)
![](http://zero-xpay.com/wp-content/uploads/sites/4/2023/05/voucher2.png)
Complete the payment with different credit or debit cards flexibly as you wish.
![輕鬆付款](http://zero-xpay.com/wp-content/uploads/sites/4/2024/06/flexible-payment-CN.png)
![X Pay 為你設定個人化的消費限額避免過度消費。](http://zero-xpay.com/wp-content/uploads/sites/4/2023/05/付款成功-cn.png)
![消費新選擇](http://zero-xpay.com/wp-content/uploads/sites/4/2023/05/綁卡-cn.png)