Grow Your Sales with HeidiPay | BNPL (Buy Now, Pay Later)

500+ partners trust us

Pricing flexibility

You decide who pays the interest on the credit

0% financing

You pay a fee to HeidiPay, and we do not charge interest to you customer

Financing with interest

You don't pay any fee to HeidiPay ("no transaction fee"), and HeidiPay charges interest to your customer

Fully digital solution

No paper to print

Digital ID check

Electronic signature

Multiple payment options

Customer pay monthly instalment conveniently by:

Debit or credit card (with automatic monthly direct debit)

QR Invoice

Increase sales and attract new categories of customers

Attract new categories of customers

Drive conversion & Increase basket size

We take risk, you get paid immediately

Fraud & solvability risk guarantee

Weekly payment od all your sales

Easily fits in with your operations and web shop

Simple payment and return processes

Easy integration, no start-up costs

Simple, transparent offer

Weekly settlement

Fraud and credit risk merchant protection

No set-up or installation costs

No minimum duration or volumes

	0% Financing		Financing with interest **
Purchase price amount
Purchase price amount	CHF 0 - 500*	CHF 500 - 15'000*	CHF 0 - 500*	CHF 500 - 15'000*
Monthly instalments
Monthly instalments	3 - 12*	3 - 36*	3 - 12*	12 - 36*
Interest paid by the customer to HeidiPay
Interest paid by the customer to HeidiPay	NO (0% interest)	NO (0% interest)	YES	YES
Commission paid by the merchant to HeidiPay
Commission paid by the merchant to HeidiPay	YES	YES	NO (Free)	NO (Free)
Regulated by the Federal Law on Consumer Credit
Regulated by the Federal Law on Consumer Credit	NO	NO	NO	YES
ID document accepted
ID document accepted	No ID required	Passport / National ID Driving Licence (Swiss nationals only), Residence permit (B & C)	No ID required	Passport / National ID
Payment methods
Payment methods	Swiss Credit- or Debit Card QR - Code Invoice**	Swiss Credit- or Debit Card QR - Code Invoice**	Swiss Credit- or Debit Card QR - Code Invoice**	Swiss Credit- or Debit Card QR - Code Invoice**
All options: Payment to the merchant - Weekly \| Merchant Risk protection - Credit & Fraud \| Installation / Setup costs - None \| Minimum annual volumes - None \| Minimum duration - None
* Limit subject to conditions ** Restriction on usage for QR invoice for certain industries

How it works

Customer makes a purchase

Customer selects HeidiPay at checkout.

You get paid the full amount

HeidiPay pays you the full amount of the sales within 7 days through a weekly settlement.

Customer pays HeidiPay

Customer pays HeidiPay every month via QR code invoice or through direct debit on debit or credit card.

HeidiPay takes the risk of non-payment

We assume credit and fraud risk. Instant decision with high acceptance rate for a maximum conversion rate.

Available for ecommerce & instore sales

Ecommerce sales

Offer HeidiPay as a new payment method at checkout

Fast checkout process with instant approval

Integration with ecommerce platform in minutes

Instore & phone sales

Sales assistant enters customer’s info, triggering an SMS

Customer clicks on SMS link to checkout on mobile

No installation or special POS/device required

Fits in seamlessly with your daily operations

View, refund or cancel payment plans in your HeidiPay merchant portal or through direct integration into your ERP. Reporting & reconciliation are simple and similar to other payment methods offered by your payment service provider.