【Summer Festival Flash Sale】

Limited time offer for new customers!

Get $120 off your first transaction of $300 or more!

Coupon Code: XPAYS2FN

Event Date: From now until August 20, 2025

Buy now, pay later in three interest-free installments with X Pay

Experience worry-free shopping today!
Use X Pay to buy now, pay later in three installments, with zero interest and zero handling fees.

X Pay is a built-in payment feature within the X Wallet app, offering a Buy Now Pay Later service. Easily split your purchase into three interest-free installments, and you can link multiple credit or debit cards for flexible payment options. Your purchase will be automatically divided into three equal installments, debited on the purchase day, 30 days later, and 60 days later.

How to use

The purchase amount will be automatically divided into three equal installments, which will be deducted on the purchase day, 30 days later, and 60 days later.

Eligibility

• Hong Kong residents aged 18 and above • Valid email address • Hong Kong permanent identity card • Hong Kong-issued Visa/Master credit or debit card

Important Information

• Minimum purchase amount per transaction: HK$15 • Payment method: Debit card or credit card (virtual card issued by Visa / Master / Mox / Livi / ZA bank)
• Instalment limit: HK$5,000 for credit cards and HK$3,000 for debit cards (Hong Kong ID card verification required)
• Payment can be made in up to 3 installments, no extra fees for on-time repayment • Late payment penalty: up to HK$100 per transaction