Pay revolutionizes digital asset transactions with its user-friendly interface and secure payment solutions. This comprehensive guide covers everything you need to know about sending, receiving, and managing USDT/USDC payments on X Layer.
What is Pay?
Pay is an innovative digital asset payment tool that offers:
- Face recognition payments: No passwords to remember
- Instant transactions: Send/receive USDT and USDC on X Layer
- Zero fees: No additional transaction costs
- Enhanced security: Multi-signature smart wallet technology
Beyond financial transactions, Pay integrates social features including:
- Peer-to-peer messaging
- Digital asset gifting capabilities
- User-friendly payment interface
Platform Requirements for Pay
To use Pay's full functionality:
✅ Requires registered OKX platform account
✅ Mandatory identity verification
✅ Must pass KYC procedures
👉 Start your seamless payment journey today
Activating Your Pay Account
Prerequisites:
- Verified OKX personal account
- Completed identity authentication
- Non-restricted geographical location
- Latest app version installed
Activation Process:
Follow the in-app prompts after meeting all requirements for instant activation.
Making Transfers with Pay
Step-by-Step Transfer Guide:
- Select Pay from the main menu → Choose "Transfer to Contacts"
- Enter payment amount
Select recipient by:
- Name
- Phone number
- Email address
- Review transaction details and confirm payment
Account Recovery Options
| Recovery Method | Availability | Process |
|---|---|---|
| Cloud Backup (iOS) | iCloud users | Sync passkeys automatically |
| Google Password Manager | Android users | Automatic synchronization |
| Customer Support | All users | Contact support for assistance |
Managing Your Balance
Checking Available Funds
View your USDT/USDC balance:
- Open Pay interface
- Navigate to payment page
- Available balance displays below amount field
Increasing Your Balance
Two primary methods:
- Exchange deposits: Transfer from OKX exchange
- On-chain receipts: Receive directly to your wallet
👉 Maximize your payment flexibility
Handling Payment Issues
Common Scenarios:
1. Incorrect Recipient Payments
- Unclaimed payments: Auto-refund after 48 hours
- Received payments: Irreversible
2. Unclaimed Payments
- 48-hour claim window for recipients
- Automatic return to sender's balance if unclaimed
Platform Compatibility
Current Availability:
- Mobile app exclusive (no web browser support)
FAQ Section
1. Is Pay available in all countries?
Pay availability depends on local regulations. Check your OKX app for service eligibility.
2. What's the minimum transfer amount?
Minimums vary by asset and network conditions. The app displays current limits during transaction setup.
3. How secure are Pay transactions?
Pay employs bank-level security including:
- Multi-signature verification
- Biometric authentication
- Encrypted transaction data
4. Can I use Pay for merchant payments?
Currently optimized for peer-to-peer transactions. Merchant integration features are under development.
5. What happens if my phone is lost/stolen?
Your funds remain secure through:
- Cloud backup restoration
- Support-assisted recovery
- Biometric authentication requirements
6. Are there daily transfer limits?
Limits apply based on:
- Account verification level
- Regional regulations
- Security protocols