1. What is Pay?
Pay is OKX's seamless payment solution that lets you instantly send and receive USDC and USDT on the X Layer network with zero fees. Key features include:
- Multi-signature smart wallet for enhanced security
- Integrated messaging for communication
- Cryptocurrency gifting options
- Social features to make digital payments engaging
👉 Discover how Pay simplifies crypto transactions
2. Eligibility Requirements
Pay availability depends on your geographic location. Ensure your region supports OKX services before activating Pay.
3. How to Activate Pay
For New Users:
- Complete identity verification via the "Get verified" option
- Return to the Pay homepage and select "Get started"
- Create a passkey to finalize activation
For Verified OKX Users:
Simply navigate to Pay in the OKX app and follow the onboarding prompts.
4. Making Payments: Step-by-Step Guide
- Open the OKX app and select Pay at the top
- Choose "Pay" from the menu
- Enter payment amount
Select recipient via:
- Name
- Phone number
- Email address
- Review details and confirm with Pay button
5. Transferring Funds Between Services
- Access Pay mode in the OKX app
- Tap "Pay" → then tap again to see transaction options
- Select your preferred transfer method (Exchange, on-chain, etc.)
6. Receiving Payments
- You'll receive instant push notifications for incoming USDC/USDT
- Payment links direct recipients to download OKX app if needed
- Mandatory: Complete identity verification to access funds
Funds will automatically appear in your Pay balance if:
- You're an existing Pay user
- You complete onboarding (new OKX users)
7. Paying Non-OKX Users
Yes! Simply enter their:
- Phone number
- Email address
- Or select from imported contacts
Recipients must create an OKX account to claim payments.
8. Account Requirements
You need:
- A registered OKX account
- Completed identity verification
- An activated Pay account
9. Convert Feature Explained
Pay only supports X Layer stablecoins. Convert allows:
- Swapping crypto from other networks (Ethereum, TRON, etc.)
- Moving assets to X Layer for Pay use
👉 Learn advanced conversion strategies
10-14. Common Issues & Features
| Question | Solution |
|---|---|
| Wrong recipient? | Unaccepted payments auto-return in 48hrs |
| Web browser access? | Mobile app only currently |
| Check balance? | Available USDT/USDC shows below payment amount |
| Unaccepted payments? | Recipient has 48hrs to create Pay account |
| View history? | See "Recent activity" on Pay homepage |
FAQ Section
Q: Can I use Pay for merchant payments?
A: Currently optimized for P2P transactions, but business integrations may come later.
Q: Are there transaction limits?
A: Limits vary based on account verification level and regional regulations.
Q: How secure are Pay transactions?
A: Multi-sig wallets and OKX's enterprise-grade security protect all transfers.
Q: Which countries support Pay?
A: Availability changes frequently—check OKX's official announcements for updates.
Q: Can I cancel a pending payment?
A: Only if unaccepted. Completed transactions are irreversible.
Q: Why choose Pay over traditional transfers?
A: Instant settlements, no fees, and built-in social features make it ideal for crypto natives.