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Lay-Buy is a deferred, affordable payment option sellers can offer buyers when browsing, shopping within their online store.

Layby & Layaway provides sellers the opportunity to increase sales and improve cash flow by offering buyers the choice of affordably paying for their product purchases or service offering via one down-payment and up to 3 monthly instalments. Cash flow is improved due to the seller receiving the down payment, instalment payments and then only delivering the product after they have received the final instalment payment. The seller effectively empowers the buyer to decide on the down-payment they can afford to put down and then the quantity of months they need to pay-off the balance of their purchase. This way buyers have time to pay-off some of the more expensive goods.

A virtual terminal for PayPal merchants to support their customer’s needs to change payment dates or values within their pending payment plan while the layby or layaway is still active. Lay-Buy will however process all the changes via the VT on behalf of all merchants and their customers.