Heidi Daus Pay is a new way to pay, by either credit or debit, for purchases that earns you valuable rewards on each transaction. We partner with our secure payments provider, Tandym, to offer this option at checkout that saves us money on processing fees. These savings are passed on to you, our loyal customers as rewards to be redeemed on future purchases.

You can sign up for Heidi Daus Pay by either selecting Credit or Debit.

Apply for a Heidi Daus Pay credit account now at the top of this page or in the cart during the payment step of checkout. It takes seconds without leaving our website and requires your name, phone, birthdate, social security number, address, email, and annual income. Our payments partner, Tandym, securely handles the instant review process and will email you with details for managing your account once approved. During the credit application process, there will be no impact to your credit score.

Apply for a Heidi Daus Pay debit account now at the top of this page. In addition to name, email, and birthdate, you're required to digitally connect your bank account via our secure partner, Plaid. Plaid is a trusted partner for apps like Venmo and Cash App as well as major banks. This usually takes less than a few minutes to complete and if successful you can use immediately.

No, the sign up process does not impact your credit score. Our payments partner, Tandym, securely manages review of your information in a way that has no impact on your credit score.

A mobile phone number that can receive SMS texts is required to sign up and use Heidi Daus Pay. At this time, you can not sign up with a land line phone.

Heidi Daus Pay debit accounts are 100% interest and fee-free.

Heidi Daus Pay credit accounts operate similarly to traditional credit cards – you will incur no fees or interest if you pay your statement balance in full prior to your due date. Payments of less than your statement balance will accrue interest on the remaining balance, and payments paid after your due date will result in a $10 late fee.

See our Application Disclosures for full details on current interest rates and for other questions about billing.

Similar to a credit card, you must at least make the minimum payment by each monthly due date in order to stay current. If your balance is less than $29, your minimum payment will be equal to your balance. Otherwise, your minimum payment will be the greater of $29 or 3% of your balance plus new interest and late payment fees. We will also add any past due amount to your minimum payment.

Similar to keeping your bank account on file with a utility company, we require you to connect your bank account online which we securely charge at the time of each transaction you make. There’s no need to make any additional payments as it’s all automatic at the time of checkout, and payments from your bank to the merchant, via Tandym, are completed within 1-3 days.

Once you earn Heidi Daus Pay rewards, they may be used immediately on your next online purchase. Your Heidi Daus Pay rewards can only be used online at Heidi Daus and are not transferable.

No, your Heidi Daus Pay rewards do not expire.

Yes, you may earn Heidi Daus Pay rewards at the same time as earning and redeeming other Heidi Daus discounts. Heidi Daus Pay rewards will always be earned on the total amount in your cart at the payment step of checkout.

All of your available rewards are automatically redeemed when you check out with Heidi Daus Pay on your next online purchase. Select Heidi Daus Pay at the payment step and authenticate with your phone number and a secure text message to confirm your identity. Your rewards will be automatically applied.

Yes! You can both earn and redeem rewards in the same transaction - in fact this is common. Your Heidi Daus Pay rewards will be deducted from your total transaction amount and any remaining amount to be paid will earn you rewards at a rate of 5%.

If you successfully return your purchase for a refund, the rewards that you earned for that purchase will be deducted from your account. Your rewards balance will only ever be a minimum of zero and cannot be negative.