is there any way i could make payments on a SIM-free iphone X

Depends which country you live and if you're qualified:

Read here: Apple Financing with Barclaycard Credit Card - Apple

I'd say no. You want one, you'd better have the scratch for it. Unless the OP can subsidize it through a carrier, which so far only in the United States and Canada allows this, but I'm sure other people from other countries will chime in.

Agreed, It depends what country you are from. The iPhone Upgrade program provides a Sim Free iPhone, but this is subject to credit approval. Financing is also available but again, subject to credit approval.

A.

Could you confirm further what you mean by payments? Do you mean payments with Apple Pay? Or financing the iPhone itself?

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Hi

Go to apple store icon one with the bag on click that look at iPhone financial services.

Cheers

Brian 🇬-1F1E7;