X Pay Merchant Exclusive｜X Cash A.I. Referral Program

Turn Your Foot Traffic into Extra Income!

Join the X Cash Merchant Referral Program

Earn up to HK$1,000 for every successful loan referral

Why It Matters for Your Business:

1. Transform Customer Flow into Revenue

• Your in-store traffic is more than just sales potential—it’s an opportunity to generate new income.

• By referring customers to apply for X Cash A.I. Loans, you can diversify your revenue streams.

2. Zero Cost, High Rewards

• No additional investment required—simply refer customers to earn cash rewards.

• Earn up to HK$1,000 per referral, with no limits on the number of referrals you can make.

3. Enhance Your Business Competitiveness

• Access free, customized referral tools such as QR codes and promotional materials to drive customer engagement.

• Offer your customers flexible loan options to improve their satisfaction and loyalty.

Program Details:

1. Application Bonus:

• Earn HK$500 when a referred customer completes a loan application.

2. Signing Bonus:

• Receive an additional HK$500 when the customer signs the loan agreement and meets the conditions.

3. Unlimited Referrals:

The more customers you refer, the more you earn—no limits!

Eligibility:

• Customers must use your unique referral code during the application process.

• Customers must not have applied for an X Cash A.I. Loan in the past 12 months.

• Customers must maintain their loan activity for 120 days after signing to qualify.

Program Period: 1 January 2025 – 28 February 2025

*The activity is subject to terms and conditions.

Apply Now and Unlock a New Revenue Opportunity!

FAQs

我是消費者

How does this program benefit merchants?

It transforms your customer traffic into extra income while requiring zero additional cost.

Can I still earn a bonus if the customer’s loan application is not approved?

Yes. You’ll receive HK$500 for every completed application.

Terms & Conditions

1. This Promotion (“Promotion”) is valid from 1 Jan 2025 to 28 Feb 2025 (both dates inclusive) (“Promotion Period”).
2. Only HKID cardholders aged 18 or above are eligible to participate in this Promotion.
3. The Promotion is only applicable to new eligible customers who successfully apply X Cash.AI for the first time during the promotion period, provided they did not apply and or have a loan account within 12 months preceding the date of application.
4. For any successful first-time application of X Cash.AI made within the Promotion Period, which the Customers enter the promotion code during the application process, the Customers will be entitled to $500 X Pay e-cash Voucher, regardless of the loan approval status. Customers will also be entitled to $1,500 Cash Reward if they maintain a $20,000 or above remaining balance of their X Cash.AI loan account every day for 120 days starting from the enforcement date of the loan contract. For details about the eligibility of the Customers, eligibility and release of the e-Cash Voucher and Cash Reward, please refer to the Promotion Details and Redemption Details aforementioned.
5. Customers must keep their X Cash.AI loan account normal and active (delayed repayment, bad debt, etc. will be perceived as abnormal account) within 120 days upon the enforcement date of the loan contract. If they close, cancel the X Cash.AI loan account, or settle the loan before the reward release, all the rewards under this Promotion will be forfeited.
6. To enjoy the promotion, the promo code must be entered during the loan application process. Subsequent supplements or changes are not allowed.
7. The submission time of loan application is subject to the system record of Zero Finance Hong Kong Limited (“The Company”). Late applications will not be accepted.
8. Customer can enjoy the offer once within the Promotion Period. The promotional offer cannot be used in conjunction with other offers. In case of multiple applications received, the Company will only consider the earliest application as valid.
9. The Rewards under this Promotion are non-transferrable, non-reversible and non-refundable. The Company reserves the right to replace the rewards with any item(s) of equivalent value without prior notice.
10. The Company reserves the right to check the Proof of Identity to verify the identity of customers. If the information provided by the customers is incomplete, unclear, missing, or if the customers cannot be contacted nor their identity cannot be verified, The Company reserves the right to disqualify their eligibility to this Promotion with prior notice.
11. The Company is not the supplier of the e-cash Voucher, and is not responsible for the e-cash Voucher. The supplier is solely responsible for any liability in relation to the e-cash Voucher. If you have any queries, comments, or complaints regarding the e-cash Voucher, please contact the supplier directly.
12. The use of X Pay e-Cash Voucher is subject to terms and conditions. For the terms and conditions of X Pay e-Cash Voucher service, please refer to the X Pay website (zero-xpay.com) or inquire with the relevant supplier.
13. All personal data collected will be processed in accordance with the Privacy Policy of The Company.
14. The Company will not accept any liability for any delays or losses of application data submitted by customers due to any computer, network, telephone, and other technical issues. Customers shall not hold The Company for accountable.
15. The Company reserves the right to amend these Terms and Condition or suspend this Promotion at any time without any prior notice.
16. The Company reserves the right to disqualify the eligibility of any customer and forfeit their rewards for any provision of false information or breach of the Terms and Conditions within or after the Promotion Period.
17. By participating in this Promotion, customers accept and agree to be bound by these Terms and Conditions. The Company reserves the right to disqualify the eligibility of participation or to the rewards of customers for any breach of these Terms and Conditions, and to pursue legal action against any behavior that disrupts the event.