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X Pay Buy Now Pay Later Guide

X Pay Buy Now, Pay Later allows you to enjoy the convenience of interest-free payments in three installments without needing to pay the full amount upfront. Through the X Wallet App, simply scan the merchant’s QR code, and your purchase amount will be automatically split into three payments (on the purchase date, 30 days, and 60 days), with no service fees or hidden costs. Download the X Wallet App now, link your credit or debit card, and easily activate X Pay to enjoy flexible payments and exclusive offers at over 1,000 partner merchants, such as Yoho and Suning!

X Pay x Lexy Exclusive First-Order Gift for New Users

Get HK$50 off when you spend HK$100 or more (up to 50% off)!

New users can enjoy the discount in just 3 simple steps:

Download the X Wallet App
Register and activate X Pay
Use X Pay to checkout at Lexy

X Pay Buy Now Pay Later Guide

How to Register for X Pay?

Registering for X Pay is simple and fast, with just a few steps to activate the Buy Now, Pay Later service! First, download the X Wallet App and create an account, ensuring you are at least 18 years old and hold a valid Hong Kong ID card. Next, link your credit or debit card and complete the identity verification (KYC) process, with no additional credit checks required. Once verified, the system will set a personalized spending limit based on your information.

How to Use X Pay Discount Codes?

Using X Pay discount codes is an easy way to enjoy shopping savings! At checkout, visit a participating merchant’s website or physical store and select X Pay as your payment method. In the X Wallet App, scan the merchant’s QR code, enter the discount code in the designated “Discount Code” field, and confirm its application. The discount will be applied instantly, with the remaining balance split into three interest-free installments (on the purchase date, 30 days, and 60 days). Ensure the discount code is valid and meets any minimum spending requirements (if applicable). If you encounter issues, contact X Pay customer support for assistance!

X Pay Buy Now Pay Later Guide

X Pay x Lexy Exclusive First-Order Gift for New Users

Get HK$50 off when you spend HK$100 or more (up to 50% off)!

X Pay Buy Now Pay Later Guide

How to Register for X Pay?

How to Use X Pay Discount Codes?

FAQs about Using X Pay

What is X Pay?

How to Pay with X Pay for the First Time at Lexy?

Are there any requirement(s) for using X Pay?

What is the minimum spending required to use X Pay?

Is it possible to deferred my repayment?

How do I refund my purchase?

What kind of payment methods are accepted?

How does X Pay work?

What is the maximum tenors that can apply for?

What is the different from Instalment payment option?

How to contact X Pay?