Merchant FAQ

HeidiPay is a simple card-based solution enabling you to grow your sales and attract new customers with monthly payment plans. Your customers have the flexibility to pay over time, and you get paid in full by HeidiPay which takes the credit and fraud risk.

Once setup, the HeidiPay solution enables you to promote monthy instalmentz on your webshop and instore. You can now display your purchase price in total value and price per month (for example CHF 600.- Total | CH 60.- Per Month).

For online shopping, your customers simply need to select HeidiPay as payment option at checkout and are then redirected to HeidiPay's checkout. In store, your sales assistant can instantly create a payment plan from a tablet, mobile phone or computer and HeidiPay will send a link by SMS to your customers allowing them to complete the checkout on their mobile.

The payment process is simple and convenient. Your customers only need a valid debit or credit card (no app or registration required).

We approve your customers’ requests instantly and take all the credit and fraud risk. You will receive the full amount upfront, with a weekly settlement directly paid into your bank account and we will automatically collect future payments on your customers’ card. 

Starting with HeidiPay is easy, free of charge and with no minimum commitment. Just fill our contact form and we will get back to you as soon as possible.

The on-boarding process is quick and simple. You can install HeidiPay on your webshop in minutes without the support of a technician thanks to our pre-integration modules available for most e-commerce platforms. If we don't have a pre-integration module for your platform yet, we can provide you with a customised integration at no costs. The technical integration for instore is also effortless, as any sales assistant can start offering HeidiPay payment plans from any device (phone, tablet, etc) with no need to install a software or special POS.

Yes, you are free to choose the payment plan options you want to offer.

For e-commerce sales, you can opt for different payment plan options based on various purchase price ranges. For example, offer Pay in 3x for basket sizes of CHF 100-200.-, Pay in 4x for CHF 200-500.- and Pay in 10x for purchases above CHF 500.-. HeidiPay will automatically filter the chosen option based on the basket value.

For instore or phone sales, your sales assistant can select amongst a list of payment plan options if they have been enabled.

HeidiPay pays you the full amount of the sales from the previous 7 days through a weekly settlement into your bank account. Refunds are automatically deducted from settlements.

Customers are automatically filtered with high-tech anti-fraud and credit decisioning solutions integrated into the HeidiPay platform. This enables an instant approval for your customers while conducting a verification in the background.