X10⁺ - Finance Made Simple

Flexible, stress-free payments at your favorite stores. Split your purchase in flexible installments. Instant approval. No hidden fees.

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Finance Made Simple

Credit Limit Up To
20,000

Approval in
30 seconds

Zero

Zero

Interest

Hidden

No

Hidden Fees

quick

Quick

Approval

Flexible Payments,
Endless Choices

Shop at your favorite stores and elevate every purchase on your terms.

More shops are coming soon!

Do you have a suggestion for a store that you want us to partner or are you a store owner?

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How X10⁺ Works

Sign up with UAE Pass, get instant approval, and start shopping today. Choose flexible installments, pay securely, and track everything in one app—online or in-store.

1
Online or In-Store

Online? Select X10⁺ at checkout. In-store? Scan a QR code to download and pay.

2
Easy Sign-Up

Register instantly using UAE Pass—no long forms, no hassle.

3
Instant Approval

Quick onboarding, instant credit power, and you’re ready to shop.

4
Shop Your Way

Choose your plan with zero interest. No hidden fees.

5
Pay Securely, Track Easily

Central Bank–regulated and fully secure. Manage all your payments and plans right from the app.

Download the X10⁺ App Now!

Experience finance made simple, safe, and stress-free—where every transaction is secure, every feature is designed for efficiency, and every decision feels effortless.

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Grow Your Business with X10⁺

Offer flexible, interest-free installments. Get paid instantly. Attract new customers. Backed by a Central Bank–regulated financial institution.

How X10⁺ Works for Your Business

Track performance, approvals, and plans in your merchant dashboard.

signup

Sign up

Share your business details; onboarding is quick and straightforward.

integrate

Integrate

Connect X10⁺ to your online checkout or display QR codes in-store.

online

Online

Add X10⁺ to checkout (lightweight integration).

flexible-payment

Offer flexible payment

Customers choose flexible interest-free installments.

in-store

In-store

Display a static QR code at POS—customers scan, select X10⁺, and pay.

get-paid

You get paid

Instant confirmation; funds settle fast per your payout schedule.

Got Questions?

Frequently Asked Questions

Everything you need to know about X10⁺

X10⁺ is a simple, flexible way to shop now and split your payments into 4, 6, 8, or 12 interest-free installments. No hidden fees.

Just download the X10⁺ app and register with your UAE Pass. It only takes 2 minutes.

No. X10⁺ runs a seamless credit check to assign your spending limit, but it does not negatively impact your score.

Once you sign up, you’ll instantly see your approved spending limit in the app.

You can shop at a growing number of online and in-store partner merchants across categories like fashion, electronics, healthcare, and more.

Simply scan the X10⁺ QR code at checkout, select your plan, and confirm your purchase in the app.

None at all. X10⁺ is always interest-free with zero hidden fees for customers.

The X10⁺ app lets you view, manage, and track all your active installments and payment history in one place.

You’ll receive reminders before every due date. If you miss a payment, late fees may apply—so it’s best to keep your card funded to avoid extra charges.

Yes. X10⁺ is powered by Al Ain Finance, regulated by the Central Bank of the UAE—so your shopping is always secure.

Still have questions?

Our customer support team is here to help you

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