X Pay – Flexible Buy Now, Pay Later for an Enhanced Payment Experience

1. About X Pay

X Pay, an innovative payment solution within the X Wallet App, offers a seamless Buy Now, Pay Later (BNPL) service. Whether shopping online or in-store, X Pay allows customers to split their payments into three interest-free installments, due on:

• the purchase date

• one month later, and 

• two months later

 With advanced security measures—including PCI compliance, 3DS authentication, and data encryption—X Pay ensures every transaction is secure. Customers can link multiple credit or debit cards for a streamlined, flexible payment experience.

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2. Benefits of X Pay

• Shop Without Stress: Pay in three interest-free installments to manage your budget effortlessly.

• No Extra Costs: Enjoy 0% interest and no hidden fees.

• Multiple Payment Options: Link Visa, MasterCard, or Apple Pay for ultimate convenience.

• Trusted Security: PCI-compliant gateways and 3DS authentication ensure transaction safety.

• Online and In-Store: Use X Pay anywhere with a quick QR code scan.

• Exclusive Offers: Unlock special discounts and coupons with partner merchants.

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3. How to Activate X Pay

Getting started with X Pay is simple and intuitive:

1. Download X Wallet App: Available on App Store and Google Play.

2. Register an Account: Enter your mobile number, verify via SMS, and set a password.

3. Verify Phone Number: Confirm your mobile number for security.

4. Complete Registration: Access the X Wallet interface upon successful registration.

5. Complete Identity Verification: Scan your Hong Kong ID card clearly.

6. Perform Facial Recognition: Follow prompts for secure face scanning.

7. Link a Payment Card: Add a Visa or MasterCard credit/debit card or use Apple Pay.

8. X Pay Activated: Start enjoying interest-free, three-part payments at supported merchants.

📌 Important Notes:

• Eligible for Hong Kong residents aged 18 and above.

• Ensure accurate ID and facial recognition data for smooth verification.

• Supports Visa, MasterCard, and Apple Pay for payments.

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4. Using X Pay at Online Stores

Effortlessly complete purchases with X Pay in just a few steps:

1. Add desired items to your cart and proceed to checkout.

2. Select “X Pay – Buy Now, Pay Later” as your payment method.

3. Scan the merchant’s X Pay QR code using the X Wallet App and confirm the amount.

4. Payments are automatically split into three interest-free installments, with no additional steps required.

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5. How to use X Pay coupon?

Save more with X Pay’s exclusive coupons:

1. Grab a Coupon: In the X Wallet App, go to the X Pay section, select “Vouchers” for coupons, or enter a promo code.

2. Apply at Checkout: Scan the merchant’s QR code, and the best coupon is applied automatically.

3. Split Payments: Enjoy three interest-free installments, with details in the app’s transaction log.

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6. Frequently Asked Questions（FAQ）

Q1: What’s X Pay?

A1： X Pay is an innovative payment solution by X Wallet App, featuring Buy Now Pay Later. Enjoy shopping with three interest-free installments—no need to pay in full upfront. Available at both online and physical merchants.

Q2: How does X Pay installment work?  

A2: Each purchase is automatically split into three payments:  

 -  1st Installment: On purchase date  

 -  2nd Installment: One month later  

 -  3rd Installment: Two months later  

Simply pay each installment on time to enjoy 0% interest and no hidden fees.

Q3: Are there any interest or service fees with X Pay?  

A3: None at all! Enjoy 0% interest with no extra or hidden fees for your full installment period.

Q4: What payment methods does X Pay support?  

A4: You can pay by linking your Visa or MasterCard credit/debit card, or by adding cards through Apple Pay. Manage everything easily in the X Wallet App.

Q5: Is there a minimum spend for using X Pay?  

A5: Yes, the minimum amount per transaction is HK$15.

Q6: How are refunds handled for installment orders?  

A6: Please contact the merchant directly for refunds. Once processed, funds will be returned to your linked card within 5 business days.

Q7: How is X Pay different from traditional credit card installment plans?  

A7:  

 -  Application: X Pay offers instant approval with no credit checks, while traditional plans may require credit assessment.  

 -  Fees: X Pay is always 0% interest with no hidden charges; traditional plans often involve interest and fees.  

 -  Flexibility: X Pay allows multiple card binding for easy management; traditional plans are less flexible.

Q8: How can I contact X Pay customer service?  

A8: For any questions, email X Pay support at: support@zero-xpay.com

Get X Pay today for a seamless Buy Now, Pay Later experience!  

Download the X Wallet App and activate X Pay now—enjoy smarter, stress-free spending every time.