FAQ

X Pay is a Buy Now, Pay Later (BNPL) payment option offered through the X Wallet App. It allows you to split eligible purchases into multiple interest-free installments, so you don’t need to pay the full amount upfront when buying products or services.

At participating merchants, simply select X Pay as your payment method and scan our QR code at checkout. The total amount will be automatically divided into installments according to the plan displayed in-app at the time of purchase.

No additional fees are charged when each installment is paid on time.

Download the X Wallet App to start using X Pay.

To register for X Pay, applicants must:

• Be a Hong Kong resident
• Meet the minimum age requirement under applicable Hong Kong law

Please prepare the following during account setup:

• A valid email address
• A valid Hong Kong Permanent Identity Card
• An eligible credit or debit card issued in Hong Kong by a supported card network

The most up-to-date eligibility requirements and supported card networks will be shown during the in-app registration process.

The minimum spending amount is HK$15.

All installments must be repaid by their scheduled due dates. Late or missed payments may result in fees or other consequences as outlined in our Terms of Service and your account agreement.

For the most current fee schedule, please refer to the Terms displayed during account setup or within the X Wallet App.

Please contact the merchant directly to initiate any refund. Once approved by the merchant, the refunded amount will be returned to the original payment method used for the transaction. Processing times may vary depending on the merchant and your card issuer.

You can link an eligible debit credit or credit card from a supported card network within the X Wallet App. Compatible mobile wallet options may also be available, depending on your device. The full list of supported payment methods is shown during card setup in the App.

When you make an eligible purchase using X Pay, the total amount is split into multiple installments. The exact number of installments and the amount per installment will be clearly shown in the X Wallet App before you confirm the transaction.

Example (illustrative only):

Suppose your total order amount is HK$900, split into 3 equal installments:

About auto-deduction & changing your bound card

• Subsequent installments are automatically deducted from the credit/debit card currently bound to your X Pay profile on each scheduled date.
• If you wish to use a different card for an upcoming installment, you can update the bound card in the X Wallet App at any time before the scheduled deduction date. The system will then automatically charge the updated card on the next due date.
• Please ensure your bound card is valid and has sufficient available limit before each due date to avoid late payment fees or other consequences.

The exact dates, amounts, and bound card information for each installment will always be visible in the X Wallet App.

The available installment plans depend on the amount of your purchase. The options offered to you will be presented at checkout in the X Wallet App. There are no extra charges if all installments are repaid on time.

Traditional credit-card instalment plans are typically designed for larger purchases, often have a higher minimum spend, and may carry interest or service fees.

X Pay is designed to make smaller, everyday purchases more flexible. When all installments are repaid on time, X Pay does not charge interest or service fees.

You can reach our customer support team by email at support@zero-xpay.com.

If you don’t see a reply in your inbox, please check your spam or junk folder. Our latest contact channels will also be listed in the X Wallet App’s Help section.

Merchant stores — including those built on platforms such as Shopify — automatically send a confirmation email to the customer after an order or transaction is completed. If you haven’t received it, please check the following:

1. Check all inbox tabs (Primary / Promotions / Social / Updates), as the email may have been auto-sorted into a different tab.
2. Check your Spam / Junk folder, as automatic filters may occasionally misclassify the message.
3. Verify that the email address entered at checkout is correct (watch for typos, missing characters, or extra spaces).
4. Add the merchant’s sending domain to your contacts or safe-sender list to help future emails arrive smoothly.

If you still cannot locate the email after these steps, please contact the merchant directly to request a resend or to verify your order status.