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Earn 2% in store credit on every purchase with KH Pay
Earn 2 store credit per dollar on every purchase with KH Pay
Earn 2 extra store credit per dollar on every order with KH Pay
Earn 2X store credit on every order with KH Pay
Earn 20% store credit on your first purchase with KH Pay
Save 20% on your first purchase with KH Pay
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 2% extra in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 2% extra in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 2% extra in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% off on your first purchase.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% off on your first purchase.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% off on your first purchase.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% off on your first purchase and 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% off on your first purchase and 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% off on your first purchase and 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% off on your first purchase and 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% off on your first purchase and 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% off on your first purchase and 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% off on your first purchase and 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% off on your first purchase and 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% off on your first purchase and 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% off on your first purchase and 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% off on your first purchase and 2% extra in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% off on your first purchase and 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% off on your first purchase and 2% extra in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% off on your first purchase and 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% off on your first purchase and 2% extra in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% store credit on your first purchase.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% store credit on your first purchase.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% store credit on your first purchase.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% store credit on your first purchase and 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% store credit on your first purchase and 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% store credit on your first purchase and 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% store credit on your first purchase and 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% store credit on your first purchase and 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% store credit on your first purchase and 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% store credit on your first purchase and 2 store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% store credit on your first purchase and 2 extra store credit per dollar on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% store credit on your first purchase and 2X store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% store credit on your first purchase and 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit or credit card that rewards 20% store credit on your first purchase and 2% extra in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% store credit on your first purchase and 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital credit card that rewards 20% store credit on your first purchase and 2% extra in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% store credit on your first purchase and 2% in store credit on every order.
Kate Hewko is excited to partner with Tandym to offer a digital debit card that rewards 20% store credit on your first purchase and 2% extra in store credit on every order.
First purchase discount only applies for purchases of or more

Pay over time. Credit lines up to $5,000, subject to approval.

by Shelby T
"Super easy to set up and use. Everything from signing up, to checking out, to getting into my account and making payments is user friendly and intuitive. Can’t wait until they expand to other vendors."

See all reviews

by Shelby T
"Super easy to set up and use. Everything from signing up, to checking out, to getting into my account and making payments is user friendly and intuitive. Can’t wait until they expand to other vendors."

See all reviews

Kate Hewko

100% Digital

Decision in as little as seconds

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by Shelby T
"Super easy to set up and use. Everything from signing up, to checking out, to getting into my account and making payments is user friendly and intuitive. Can’t wait until they expand to other vendors."

See all reviews

A decision in as little as seconds

Sign up in seconds

Credit

Apply for a KH Pay digital credit card now or during checkout. It takes as little as seconds without a hard credit pull!*
Sign up for a KH Pay digital debit card by securely connecting your bank account. It takes as little as seconds with our industry-trusted partner, Plaid, to keep your bank information private and safe. Learn more about Plaid.

Debit

Sign up for a KH Pay digital debit card by securely connecting your bank account. It takes as little as seconds with our industry-trusted partner, Plaid, to keep your bank information private and safe. Learn more about Plaid.

Pay securely with your mobile phone number

If approved, select KH Pay at the last step of checkout and pay with your phone number - no need to remember a long card number, expiration date, and CVV or PIN.
Select KH Pay at the last step of checkout and pay with your phone number - no need to remember a long card number, expiration date, and CVV or PIN.

Earn & redeem on every order

Earn on every order

You’ll earn 2 store credit per dollar on every order. Return and pay again with KH Pay to automatically redeem your store credit for an instant discount. No codes necessary!
You’ll earn 2% in store credit on every order. Return and pay again with KH Pay to automatically redeem your store credit for an instant discount. No codes necessary!
You'll earn 2 extra store credit per dollar on every order.

Click here to learn more about how to redeem your points.
You'll earn 2X store credit on every order. Click here to learn more about how to redeem your store credit.

Become an ICON-tier member automatically and earn 2% extra Store Credit on every order with KH Pay. Learn more about KH Perks.

Manage your account

Credit

Make regular payments every month from your bank account with autopay or one-time payments. View your store credit balance, exclusive rewards, and statements.
Make regular payments every month from your bank account with autopay or one-time payments. View your account balance, exclusive rewards, and statements.
Make regular payments every month from your bank account with autopay or one-time payments. View your account balance and statements.
Track your store credit, update account info, and view exclusive rewards all in one place.

Debit

Track your store credit, update account info, and view exclusive rewards all in one place.
Track your transactions, update account info, and view exclusive rewards all in one place.
Update account info and view your transactions all in one place.

Get the Tandym App!

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Securely connect your bank for repayment

We use Plaid to connect your bank account because their information security program is designed to meet or exceed industry standards, with many different controls to keep your personal information safe.

Plaid is certified in internationally-recognized security standards, like ISO 27001. Learn more about Plaid.
Plaid integration screen

Frequently Asked Questions

What is KH Pay?
KH Pay is a new digital credit card for online purchases with a line of credit 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 points to be redeemed on future purchases.
KH Pay is a new digital credit or debit card 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 points to be redeemed on future purchases.
KH Pay is a new digital debit card 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 points to be redeemed on future purchases.
KH Pay is a new way to pay for online purchases is a digital debit card. We partner with our secure payments provider, Tandym, to offer this option at checkout that saves us money on processing fees.
KH Pay is a new way to pay for online purchases with a line of credit. We partner with our secure payments provider, Tandym, to offer this option at checkout that saves us money on processing fees.
KH Pay is a new way to pay by either credit or debit. We partner with our secure payments provider, Tandym, to offer this option at checkout that saves us money on processing fees.
How do I sign up for KH Pay?
Apply for a KH Pay account in the cart during the payment step of checkout on our website. A decision is available in as little as seconds without leaving the checkout and requires your name, phone, birthdate, social security number, address, email, and annual income. Our payments partner, Tandym, securely handles the review process and will email you with details for managing your account if approved. During the application, there will be no hard credit pull.*
You can sign up for KH Pay by either selecting Credit or Debit.

Apply for a KH Pay credit account now at the top of this page or in the cart during the payment step of checkout. A decision is available in as little as 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 review process and will email you with details for managing your account if approved. During the credit application, there will be no hard credit pull.*

Apply for a KH Pay debit account now at the top of this page or in the cart during the payment step of checkout. 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.
Apply for a KH Pay debit account now at the top of this page or in the cart during the payment step of checkout. 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.
Will KH Pay signup impact my credit score?
During the application process, there is no hard credit pull* that is reported to the bureaus. If you are approved and open an account, a tradeline will be established.
Can I sign up with a land line phone number?
A mobile phone number that can receive SMS texts is required to sign up and use KH Pay. At this time, you can not sign up with a land line phone.
Are there any interest charges or fees?
KH Pay operates 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.
KH Pay debit accounts are 100% interest and fee-free.

KH 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.
What are my monthly payments?
With credit, what are my monthly payments?
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.
With debit, how do I make payments?
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.

How can I pay my Tandym Credit account balance?

  1. The fastest and easiest way to submit a payment is through your Tandym Account Dashboard where you can securely connect a bank account to make an ACH payment. Your payment must be made in U.S. dollars from a U.S. depository account in a form acceptable to us.
  2. Payment may also be submitted by check or money order but must be received by the payment due date. Click here to view step-by-step instructions for Pay-by-Check.
How do I view and manage my KH Pay account?

Log in to your account at customers.bytandym.com to manage and view your account details and rewards.

How does the KH Pay first purchase discount work?
When you make your first purchase using KH Pay, you will receive an instant 20% discount in addition to the 2X store credit you earn on every purchase. Your first purchase discount is immediately applied to your first purchase only at Kate Hewko when using KH Pay.
When you make your first purchase using KH Pay, you will receive an instant 20% discount in addition to the extra 2 store credit you earn on every purchase. Your first purchase discount is immediately applied to your first purchase only at Kate Hewko when using KH Pay.
When you make your first purchase using KH Pay, you will receive an instant 20% discount in addition to the 2% in store credit you earn on every purchase. Your first purchase discount is immediately applied to your first purchase only at Kate Hewko when using KH Pay.
When you make your first purchase using KH Pay, you will receive an instant 20% discount. Your first purchase discount is immediately applied to your first purchase only at Kate Hewko when using KH Pay.
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How does the KH Pay first purchase boost work?
When you make your first purchase using KH Pay, you will receive an instant 20% boost on your 2 store credit per dollar on every purchase. Your first purchase boost is immediately applied to your first purchase only at Kate Hewko when using KH Pay.
When you make your first purchase using KH Pay, you will receive an instant 20% boost on your 2% in store credit you earn on every purchase. Your first purchase boost is immediately applied to your first purchase only at Kate Hewko when using KH Pay.
How does the KH Pay first purchase bonus work?
When you make your first purchase using KH Pay, you will receive an instant 20% store credit bonus in addition to the 2 store credit per dollar you earn on every purchase. Your first purchase bonus is immediately applied to your first purchase only at Kate Hewko when using KH Pay.
When you make your first purchase using KH Pay, you will receive an instant 20% store credit bonus in addition to the 2% in store credit you earn on every purchase. Your first purchase bonus is immediately applied to your first purchase only at Kate Hewko when using KH Pay.
Are there any restrictions on my KH Pay rewards?
Once you earn KH Pay rewards, they may be used immediately on your next online purchase. Your KH Pay rewards can only be used online at Kate Hewko and are not transferable.
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Do my KH Pay rewards expire?
No, your rewards do not expire.
Yes, your rewards expire .
Can I earn KH Pay rewards along with other Kate Hewko discounts?
Yes, you may earn KH Pay rewards at the same time as earning and redeeming other Kate Hewko discounts. KH Pay rewards will always be earned on the total amount in your cart at the payment step of checkout.
Can I earn double store credit with the Kate Hewko Loyalty Program?
No. Your 2 store credit per dollar back can only be earned through one of our rewards methods at Kate Hewko. Learn about the difference here.
No. Your 2% in store credit back can only be earned through one of our rewards methods at Kate Hewko. Learn about the difference here.
How do I redeem my KH Pay rewards?
All of your available rewards are automatically redeemed when you check out with KH Pay on your next online purchase. Select KH 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.
Can I earn new KH Pay rewards when I’m redeeming existing ones?
Yes! You can both earn and redeem rewards in the same transaction - in fact this is common. Your KH 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 2%.
What happens to my KH Pay rewards if I return my purchase?
If you successfully return your purchase for a refund, the rewards that you earned for that purchase will be deducted from your account.
What is the maximum order amount allowed for purchases?
The maximum order amount for credit purchases varies based on your spending power. Tandym provides credit accounts with spending power up to a maximum of $5,000.
The maximum order amount for credit purchases varies based on your spending power. Tandym provides credit accounts with spending power up to a maximum of $5,000.

The maximum order amount for debit purchases requires your connected bank account to have the available amount equivalent to the purchase amount, up to a maximum of $10,000.
The maximum order amount for purchases requires your connected bank account to have the available amount equivalent to the purchase amount, up to a maximum of $10,000.
I verified with my phone number and don’t see KH Pay at checkout, why?
If you saw a pop-up to enter a 6-digit code and don’t see Kate Hewko as a payment method, you will need to scroll to the bottom of the page and click on “Check out as guest”. Then fill your information, shipping method and continue to payment to successfully checkout with KH Pay.
Is KH Pay available outside the US?
No, at this time, KH Pay is only available to US residents with a valid US billing address.
Is there an app to manage my account?

Yes, get in now 👇

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*During the application process, there is no hard credit pull that is reported to the bureaus. If you are approved and open an account, a tradeline will be established.

Tandym loan products are issued by Celtic Bank.