Lay-Buy is the most advanced, comprehensive online layby & layaway system available today on the world-wide web.

It is an online layby or layaway payment method merchant retailers can integrate into their shopping carts via our extension module and associated secure protocol data transfers between your merchant site, our Lay-Buys payment calculator and PayPal.

Lay-Buy Button

The Lay-Buy button is the only button merchants will need to display within their checkout environments. All other checkout buttons, layby / layaway calculators, layby / layaway payment plans and supporting layby / layaway processes are hosted within our and PayPal environments.

In order to allow any given merchant’s shopping cart to communicate with the Lay-Buy servers, Lay-Buy uses a secure protocol which transfers data regarding both your merchant information and the current product information.

The information concerning the products being purchased must be dynamically created along with your cart. When your customer selects the Lay-Buy payment option, your shopping cart then redirects using a POST method to the following URL: https:/ These details are then posted to PayPal for payment processing.

The Lay-Buy offering is our global solution for all PayPal merchant businesses wanting to offer an affordable, flexible payment plan option to customers in their website’s checkout, but where the merchant only delivers the product to the customer after receiving the final payment installment.

Powered by PayPal

The Lay-Buy offering is exclusively available to all PayPal merchant businesses. Therefore a business will need to have a PayPal business account or a PayPal Premium account.


All payments are paid directly into your PayPal account. Your PayPal API signature will be the indicator that directs your sales directly into your PayPal account.

Buyers can pay via our Lay-Buy option with their personal PayPal account. Buyers, however do not need to have a PayPal account, and can pay with their credit card through the PayPal gateway. A PayPal profile will be setup for them when they purchase on your site and checkout via Lay-Buy.

As PayPal processes all down-payments and recurring payments, their full suite of payments reporting and support to all merchants and buyers alike is in place.

Lay-Buy exclusively uses PayPal as their payments processor, the highest level of security and online fraud protection is in place for all merchants and buyers alike.


The Lay-Buy platform integrates seamlessly into our merchant’s existing e-commerce systems. Lay-Buy has extensions developed for all shopping cart types and make it our business to ensure the integration is more of an add-on install than an integration. Once the system is integrated our merchant members are able to offer a layby or layaway payment method in their checkout. Buyers can therefore layby or layaway any product our merchant partners are selling on their website. When a buyer selects to put a product on layby or layaway then they can decide on a down payment they can afford and how many months 1, 2 or 3 to pay off the balance. Only when the buyer has made their final payment does the merchant ship the product to the buyer.

Lay-Buy has developed extensions for all shopping cart types and make it our business to ensure the integration is more of an add-on install than an integration.

Currently, Lay-Buy auto sends email notifications and a Lay-Buy contract agreements to both buyer and merchant. All PayPal’s reporting is in place.

Currently we have an extension available for WooCommerce, Shopify, Magento, OpenCart and PrestaShop. Other e-commerce carts are soon to follow.