HeyLight is the smart payment solution created by combining Compass's experience in credit assessment with SmartPOS technology.

Simply choose HeyLight as your payment method, create an account by entering your health card details and a payment card (required only the first time), and finally, select your preferred combination of duration and installment amount for the deferred payment.

• A credit card on the Visa or MasterCard network, or a debit card. Note: Prepaid cards are not accepted. Postepay cards do not guarantee a successful financing outcome.
• The credit card used must be enabled for online payments (check with your bank) with verification code receipt via SMS or the bank's App.
• The credit card must not be expiring. For example, if the last installment is due in December 2023, the credit card's expiration date must be later than that.
• A photo of the back of your Health Card.
• A mobile phone number to receive a PIN to enter during the process. The billing address (customer) must match the holder of the credit card, health card, and mobile number. Note: The shipping address can be different.
• All entered data must belong to the same person. Cards and information (e.g., mobile number or Tax ID) from different people are not accepted.
• At the end of the process, you will receive the result of your application immediately. There are no hidden additional costs.

SPEED
Thanks to the real-time assessment process, HeyLight allows for a shopping experience very similar to a standard payment with a debit or credit card.
Subject to successful subsequent checks carried out by Compass.

CONVENIENCE
Splitting the cost of the goods or service into monthly installments is completely free: the purchase price includes no additional fees.

DISCRETION
To open the file, all you need is a debit card (Bancomat/Postamat), an ID, and a health card. It is not necessary to provide any income documentation.

PRACTICALITY
The process is 100% paperless with a simple electronic signature via an OTP code that the customer receives on their mobile phone; no physical documents need to be signed.

COMFORT
Monthly installments are paid via direct debit from your current account.

To defer an online payment with HeyLight, just follow a few simple steps:

• Do not abandon the session or you will need to place a new order;
• Do not use credit cards expiring in less than 3 months;
• Do not enter names containing accented letters;
• You can only upload a photograph of an original document (passport, plastic driver's license, paper or plastic ID card), as the system does not accept photocopies;
• In case of incorrect data (e.g., IBAN not enabled for HeyLight or attempts with a debit card or other errors), you will need to wait until the next day to place the order (or contact HeyLight - see next point);
• During the financing request on the HeyLight website, you can request assistance within the application funnel by clicking on the red button with a question mark in the bottom right corner, between 10:00 AM and 6:00 PM: this way, you can receive help directly from the HeyLight Team!

You can place the order (and therefore the billing) as a VAT-registered business on CFS.it, but please note that the financing request on HeyLight can only be made by private individuals, i.e., the natural person providing their personal Tax ID (Codice Fiscale).