OKX Pay Online Payments: User Guide & FAQ
What is OKX Pay Online Payment?
OKX Pay Online Payment lets eligible users pay participating online merchants directly from their OKX Pay balance using supported stablecoins. At checkout, review the order in the OKX App and authorize the payment with your passkey or device biometrics. Once the payment is successful, the selected stablecoin amount is deducted from your OKX Pay balance and transferred to the merchant.
What do I need to use OKX Pay?
You need an eligible OKX account with identity verification completed, access to OKX Pay in your region, and enough of a supported stablecoin to cover the amount shown at checkout.
Where can I use OKX Pay?
You can pay with OKX Pay at participating online merchants only where OKX Pay merchant payments are available and your account is eligible. OKX Pay merchant payments are unavailable in the following countries/regions (CORs): China, India, Nigeria, and Russia, even if you already have an OKX Pay account. Availability in other locations is subject to local requirements and product access.
Can I use OKX Pay for in-store purchases?
This OKX Pay experience is for online merchant checkout. In-person QR or contactless payments are not part of this online payment flow.
How do I pay a merchant with OKX Pay?
Activate OKX Pay using an OKX account that has completed identity verification.
Add funds to your OKX Pay balance. You can transfer funds from your Exchange account. Depending on your region, you may also be able to deposit supported stablecoins from an external address, receive funds from another OKX Pay user, or buy stablecoins with PIX in Brazil.
Visit a merchant website that supports OKX Pay.
At checkout, select OKX Pay as your payment method and follow the on-screen instructions to complete your payment.
How do I pay on a computer?
Select OKX Pay at the merchant's checkout.
Open the OKX App on your phone and scan the QR code shown on the checkout page.
Review the merchant, order, token, and amount in the app.
Authorize the payment using your passkey or device biometrics.
How do I pay on my phone?
Select OKX Pay at checkout, then tap the button to open the payment in the OKX App. Review the order details and authorize the payment in the app.
Which tokens can I use?
Depending on the merchant and your region, available tokens may include USDC, USDT, and USDG. The tokens offered for a specific order are shown in the OKX App before you confirm.
Which network should I use?
OKX Pay Online currently processes payments on XLayer. Make sure the token and network shown in the OKX Pay match the payment instructions. Do not send funds to a merchant address manually.
Can I pay with a card, bank transfer, or another cryptocurrency?
This checkout flow uses supported stablecoins from your OKX Pay account. Cards, bank transfers, and non-stablecoin assets such as BTC or ETH are not payment options in this flow.
How do I know the amount I will pay?
The OKX App shows the order amount and the selected token amount before authorization. Check the merchant name, order details, and total carefully before confirming. Any applicable taxes or charges presented for the order should be reviewed at checkout. After authorizing the payment, you can view it in Pay Activity.
Does OKX Pay charge a payment fee?
No fee is charged by OKX Pay. Review the total shown by the merchant and the payment details shown in the OKX App before you authorize.
What if I don't have enough balance?
Choose another available token if you have enough balance in it, or use the Add Funds option and follow the funding methods available for your account. You can return to the payment after your balance is sufficient, as long as the order has not expired.
What happens after I authorize the payment?
The payment is processed on XLayer. When it is confirmed, the OKX App shows a success screen and returns you to the merchant.
My payment says “Pending.” What should I do?
Wait for the status to update and check the payment details in the OKX App. Avoid submitting another payment for the same order while its status is pending. If it remains pending, contact the merchant and OKX Support with your order details.
What if the payment fails?
Check the payment status and transaction details in Pay Activity before trying again. If the payment failed and no funds were deducted, return to the merchant’s checkout and retry.
Why did my order expire?
The merchant sets an expiry time for each order. Follow the countdown shown at checkout. If the order expires, return to the merchant to create a new payment order; an expired order cannot be renewed from the OKX Pay screen.
I was redirected back to the merchant, but I'm not sure the payment succeeded.
Check the final payment status in the OKX Pay>Activity.
What if the merchant name or amount looks wrong?
Do not authorize the payment. Return to the merchant's checkout and confirm the order details before starting again.
How do I request a refund?
Contact the merchant directly. The merchant reviews refund requests and initiates eligible refunds; OKX Pay does not provide a customer-initiated refund button for an order.
How will I receive a refund?
When the merchant completes a refund, it is returned to your OKX Pay account in the same token used for the original payment. You can check the refund status and transaction details in the OKX App.
How long does a refund take?
Processing time depends on the merchant and the refund process. Contact the merchant for an update.
Can I cancel a payment after it is confirmed?
A confirmed on-chain payment cannot be reversed from the OKX App. Contact the merchant to ask whether your order can be canceled or refunded under its policy.
How is my payment protected?
You review the merchant and order details in the OKX App and authorize the transaction using your passkey or device biometrics. Only approve payments you recognize, and never share your passkey or verification codes.
Where can I get help?
For order fulfillment, cancellations, or refunds, contact the merchant. For OKX account access, payment status, or app issues, contact OKX Support through the OKX App. Include the merchant name, order reference, and approximate payment time when asking for help.