Pay FAQ

1. What's Pay?

Pay is a seamless payment solution that lets you instantly send and receive USDG, USDC and USDT on the X Layer network without incurring additional fees. It features a multi-signature smart wallet for enhanced security. It also lets you use the OKX card to make purchases.

2. Am I eligible to use Pay?

Eligibility to use Pay depends on your location. Learn more about it here.

3. How do I activate Pay?

You can activate Pay in just a few steps, depending on whether you've completed identity verification.

If you haven’t completed identity verification:

Select Get verified on the Pay homepage to begin. Once that's done, return to the homepage and select Get started to create your passkey and activate Pay. Learn more here.

4. How do I make a payment on Pay?

Here’s a simple guide for you to make a payment on OKX app:

1. Go to Pay on the main menu in Simple mode

2. Select the top arrow and Pay any contact option from the main menu

3. Enter the amount you'd like to pay

4. Select the recipient by their name, phone number or email address

5. Review the transaction details and select Pay

5. How do I receive payments on Pay?

1. When someone sends you USDG, USDC or USDT, you'll get an instant push notification from the OKX app, letting you know the funds are on their way.

   • If the sender shares a payment link via SMS or email, clicking the link will take you directly to our app download page (if you don’t have it yet), allowing you to access your funds.

   • Note: Before you can claim or use the funds, you must complete identity verification. This is required to meet compliance standards and protect both you and your assets from fraudulent activity.

   • Without completing this step, you won’t be able to receive or manage the transferred assets.

2. Open the OKX app to review the amount and sender's info.

   • If you have a Pay account, the funds will automatically appear in your Pay balance.

   • If you are an existing OKX user without a Pay account, you'll need to follow the Pay onboarding process to activate Pay. Then, the funds will automatically appear in your Pay balance.

   • If you're a non-OKX user, you'll need to create a OKX account and a Pay account. Only then, the funds will automatically appear in your Pay balance.

3. Once you receive the payment, you can then:

   • Send funds to other people.

   • Transfer to your Exchange account and convert the funds to your local currency.

6. Can I pay people who don't have an OKX account?

Yes, just enter their phone number or email address. If you've imported your contacts, simply search for the recipient’s name, phone number and email address. If the recipient doesn't have an OKX Account, they'll need to create one in order to receive the payment.

7. Do I need an OKX account to use Pay?

Yes, you'll need to have a registered OKX account and complete identity verification and create a Pay account to send and receive payments with Pay.

8. I sent a payment to the wrong person using Pay. What can I do?

Funds are irreversible once accepted. Funds will only be returned if the receiver doesn’t have an OKX account and fails to accept within 48 hours—in that situation, the payment will be refunded automatically.

9. Can I use Pay on a web browser?

Currently, you can only use Pay on the OKX app.

10. How can I check my available balance in Pay?

When you enter Pay flow, the available balance of USDG and USDC will display right below the pay amount.

11. I sent a payment to someone but they didn't accept it. What happens next?

If the recipient doesn't have a pay account, they'll have 48 hours to create one to accept the payment.

Find out what's Pay account is all about here.