Pay FAQ
1. What's Pay?
Pay is a seamless payment solution that lets you send and receive USDG, USDC, and USDT on the X Layer network without incurring additional fees. It features a multi-signature smart wallet, ensuring 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 Activate Pay to begin and follow the identity verification flow, if there's any. Once the identity verification is done, return to the homepage and set up your passkey. 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:
Go to Pay on the bottom navigation menu in Simple mode
Select the green arrow button and select and Pay any contact option from the main menu
Enter the amount you'd like to pay
Select the recipient by their name, phone number or email address
Review the transaction details and click the Pay button to proceed
5. How do I receive payments on Pay?
When someone sends you USDG, USDC, and USDT, you'll get an instant push notification from the OKX app.
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.
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 an OKX account and a Pay account. Only then, the funds automatically appear in your Pay balance.
Once you receive the payment, you can then:
Send funds to other people.
Transfer to your Exchange account and convert the funds to USD.
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 will 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. 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?
When you enter Pay flow, there are two ways for you to view the available balance:
Directly click the number of the total balance, and it'll direct you to the balance detail page.
The available balance of each crypto will display once you enter in the Pay any contact flow.
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. If the recipient doesn't accept the payment within 48 hours, the funds will be returned to the sender's Pay account.
Find other Pay articles here.