OHU! X XPay Buy Now, Pay Later, 3 Interest-Free Installments
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Experience worry-free shopping today! Use X Pay to buy now and pay later in three installments with zero interest and zero fees. X Pay is the built-in payment function of the X Wallet App, offering the Buy Now Pay Later service. Easily divide your purchase into three interest-free installments and link multiple credit or debit cards for flexible payments on the same transaction. The purchase amount is automatically divided into three equal installments, deducted on the day of purchase, 30 days later, and 60 days later.
How to use: The purchase amount will be automatically divided into three equal installments, deducted on the day of purchase, 30 days later, and 60 days later respectively. 

Application qualifications
- Hong Kong residents aged 18 and above
- Valid email address
- Hong Kong Permanent Identity Card
- Visa/MasterCard credit or debit cards issued in Hong Kong
Installment limits: Credit card limit HK$5,000, debit card limit HK$3,000 (Hong Kong ID verification required).