Frequently Asked Questions
Merchant FAQs
You receive instant confirmation at checkout, and settlements are processed on a fast, predictable schedule.
That’s on us. You get paid upfront; we manage the customer repayments.
Refunds are simple. Issue them through your merchant dashboard, and we handle the rest with the customer.
No. Just display your unique X10⁺ QR code. Customers scan, select X10⁺, and pay—it’s that easy.
Everyone—from small shops to enterprise retailers. If you sell, X10⁺ helps you grow.
Yes. X10⁺ is powered by Al Ain Finance, a UAE Central Bank–regulated financial institution.
Customer FAQs
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.