HeidiPay
HeidiPay is a card-based Swiss payment solution that allows customers to pay in installments while the merchant receives the full amount upfront.
Please note that HeidiPay is only available in the following countries:
🇨🇭 Switzerland
General
HeidiPay is a card-based buy-now-pay-later payment solution from Switzerland, offering merchants the ability to provide their customers with monthly payment plans. Merchants can choose whether to finance the purchases themselves or to pass the interest costs on to the customers. The merchant receives the full amount upfront, as HeidiPay assumes the credit and fraud risks.
Links
HeidiPay website
HeidiPay login
HeidiPay documentation
Features
Payment types
✅ One-time payments
✅ Refund
✅ Partial refund
✅ Installment payment
❌ Recurring payments
❌ Tokenization
❌ Pre-authorization
Payment methods
Setup
Configuration of HeidiPay
Request a contract offer from HeidiPay
Navigate in the Payrexx backend to Payment Providers > Credit and debit cards > HeidiPay and click on "Setup":
In the next step, click on the green button labeled "Yes, I want an offer".
To receive a contract offer, please fill out the form. By clicking the "Request offer now" button, your information will be sent to HeidiPay.
HeidiPay will contact you within a few days and provide you with two API keys among other things, which you can use to complete the installation.
Completing the configuration of HeidiPay
After receiving the email from HeidiPay, you can complete the configuration. Please proceed as follows:
Navigate in the Payrexx backend to Payment Providers > Credit and debit cards > HeidiPay and click on "Setup".
Respond to the question about receiving a contract offer with "No, not now".
In the following screen, you can configure the settings for HeidiPay:
Choose whether you want to set up HeidiPay in Test mode or go live immediately.
Activate the currency CHF (HeidiPay does not support other currencies).
Copy the API keys from the HeidiPay email into the designated fields.
Complete the setup by clicking on the green "Save" button.
Paying with HeidiPay
The only things customers need to pay with HeidiPay are a smartphone and a credit or debit card. The following steps outline the payment process from the customer's perspective.
The customer selects "HeidiPay" as the payment solution at checkout:
In the next step, the customer selects the number of installments in which the amount will be settled.
The customer enters their mobile phone number.
The customer receives a 6-digit verification code via SMS, which they must use to verify their phone number.
In the next step, the customer provides their date of birth and residence status in Switzerland.
The customer enters their address details and clicks "Continue".
In the final step, enter the card details (only credit and debit cards issued in Switzerland by Visa, Mastercard, and American Express are accepted).
After clicking the "Continue" button, the customer is redirected to Payrexx, completing the payment process.
The first installment is charged directly to the customer's credit or debit card, with subsequent installments automatically debited according to the selected payment plan.
The merchant receives the full amount, minus transaction fees, in a timely manner from HeidiPay.
For higher amounts, customers may need to verify their identity through a fully automated identity check (ID Check).
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