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LAY-BUY Powered by PayPal

LAY-BUY Powered by PayPal

Developed by Lay-Buy Financial Solutions Pty Ltd

25 reviews
Price: Free More info
  • Increase your Sales: Multi Billion dollar markets of LAYAWAY and LAYBY
  • Improve your Cash Flow: Merchants receive the down-payment & all instalment payments, but only deliver product after final payment
  • Remove Manual Process: Automated LAY-BUY system, fully integrated into your Shopify store’s admin

Dear Shopify merchant,

What is LAY-BUY

LAY-BUY is a new payment option recently developed for Shopify merchants because of a huge demand by Shopify merchants.

Now in our third year we have merchants predominantly across the five country markets of Australia, NZ, USA, Canada and UK.
Powered by PayPal, we are a global payment gateway and therefore provide our services into all the same country markets as PayPal.

LAY-BUY is the online gateway that is catering to the LAYAWAY buyers in USA and Canada, and the LAYBY buyers in Australia and New Zealand. If you sell into any of these markets then you need to consider getting LAY-BUY in place in your checkout.
OH, did I forget to say its FREE for merchants, because we charge the buyer a 0.9% admin fee. The only cost for merchants are their normal PayPal transactional fees. So if you are already offering PayPal as a payment method in your checkout, then you may as well offer "LAY-BUY powered by PayPal".

Not only are there millions of LAYAWAY and LAYBY buyers out there, browsing online right now but there are also the shoppers who actually do not want to take delivery of the product immediately due to them buying for Xmas or the holiday season. There are then also the consumers shopping online today that actually see a deal but do not have the full outlay price - they then LAY-BUY the goods there and then, secure the deal, and then pay the balance off in their own time. There are also the consumers who we refer to as “OWN WHAT THEY TAKE HOME”.

These consumers are therefore rather looking for a deferred payment option where they get to pay-off the product over 3 to 6 months and only take delivery after their final payment.

Lay-Buy is exactly that, a deferred payment plan that the merchant sets up in their checkout that empowers the buyer to select the down payment percentage today, and then how many months they need or want to pay-off the balance.

Lay-Buy is not a new payment method, but is an established brand in Layby within Australia, New Zealand and South Africa, and Layaway in USA, Canada and UK. These loyal consumers are behind a 25 billion dollar industry within bricks n’ mortar retail. However, this payment option is highly under-serviced by online retailers globally.

So if you’re an online retailer selling products aligned to a future dated event, then you need to consider offering Lay-Buy in your checkout. Why: well because these customers are shopping online right now and will not buy from you if you’re not offering Lay-Buy.

Future dated events our retailer merchants are selling into are:
• Christmas;
• Baby;
• Weddings;
• Honeymoon;
• Engagements;
• First Home;
• Holidays;
• Medical treatments;
• Major sporting events;
• Birthdays;

How LAY-BUY payment option works in Shopify


1.Payment Method:
Consumer is presented PUT IT ON LAY-BUY powered by PayPal in merchant’s checkout, and selects method

2.Confirm Order:
Consumer selects down-payment % to pay today, and how many months they want to pay-off the balance

Consumer is taken to PayPal’s landing page,
Consumer pays the down-payment today with their PayPal a/c or their credit card. PayPal then sets up the LAY-BUY payment plan between consumer and merchant. PayPal then sends two email notifications to merchant and consumer. (One for the down-payment and another that a payment plan has been setup)
Note: if buyer does not have a PayPal a/c, they will pay with their credit card today and a PayPal a/c is setup for the LAY-BUY payment plan payments


4. Order Placed (pending):
Down-Payment monies are paid into merchant’s PayPal account. Order is placed in Shopify with status ‘pending’. LAY-BUY payment plan details are auto populated in the LAY-BUY App that resides within your Shopify store Apps menu.

5. Payment Plan:
Cronjob fetches all the instalment payments on their due date from PayPal / Lay-Buys server, and updates the payment plan in LAY-BUY App from status ‘pending’ to ‘complete’ as these payments are paid by the buyer. PayPal then sends an email notification to merchant and consumer for the payment.

6. Order Updated (Processing):
Final instalment payment is paid in PayPal, fetched on due date from PayPal / Lay-Buys server.
Payment Plan profile is cancelled in PayPal so no more monies are auto paid from consumer’s PayPal account. Payment Plan in LAY-BUY App is updated from status ‘pending’ to ‘complete’.
Cronjob runs and fetches final payment and updates Order in Shopify from ‘pending’ to ‘paid’ status for merchant’s fulfilment. PayPal then sends notification to both buyer and merchant that payment profile in PayPal has been cancelled, so no more automated payments paid from buyer.

7. Order Fulfilled:
Merchant delivers product/s to consumer


8. Revise a Lay-Buy:
A consumer can revise a LAY-BUY order at any time while the LAY-BUY is in ‘pending’ status.
The process involves the merchant revising the payment plan from the LAY-BUY App.
The revise feature enables consumer to settle outstanding balance today via a ‘buy-now’ option or extend the term of the LAY-BUY via a ‘lay-buy’ option.
When payment plan is revised by merchant in LAY-BUY App, the consumer is sent an email with the payment link embedded in email.
At this time the payment plan status is changed to ‘revise requested’ until payment is made by consumer.
The consumer then clicks on payment link, is taken to PayPal and then makes payment.
If revision was in settlement (buy-now), then processes 6 and 7 are triggered.
If revision was to extend LAY-BUY, then a down-payment is paid on the day and a new payment plan is populated in LAY-BUY App against same Shopify order number.
The payment plan status for the revised plan then changes to ‘revised’ and the new payment plan has status ‘pending’. The ‘pending’ plan is then the new payment plan for the Shopify order. The Shopify order number remains the same. PayPal sends email notifications to merchant and consumer for these payments.

9. Cancel a Lay-Buy:
A consumer can cancel a LAY-BUY order at any time while the LAY-BUY is in ‘pending’ status. The process involves the merchant cancelling the order from within their Shopify admin panel. When an order is cancelled in Shopify, no refund is done. The cancel feature involves merchant cancelling the order in Shopify and cancelling the payment plan in PayPal.
PayPal sends email notifications to merchant and consumer that payment plan has been cancelled.

10. Refund a Lay-Buy:
As stated above all refunds are done from within PayPal


Shopify Lay-Buy Payment Gateway and App

1. Merchant Registration

I. Register a Lay-Buy merchant account at https://www.lay-buys.com/index.php/vtmob/login
II. Select Shopify as the ‘Platform’, and enter the “Shopify shop’s URL”.
III. Log in and populate your PayPal credentials into your profile, per below:

PayPal Credentials: Click ‘Get Credentials from PayPal’ and copy, paste them into the three fields per below of Username, Password and Signature. Once copied into the fields, the fields will show as blank – this is a security measure. Also drop your linked PayPal Email into its field. Then click Update.

PayPal Credentials: When merchant clicks ‘Get Credentials from PayPal’ they will be taken to PayPal, per below screen shot. You then simply login and copy, paste from within PayPal into the three fields per Username, Password and Signature.

When details are pasted into their fields, click ‘’Test Validity of Live PayPal credentials”.
This will simply check that they have been copied in correctly from PayPal.

IV. Click on ‘Shopify Configuration’ tab and populate three fields in “Shopify Configuration” tab. They are:
Minimum Deposit Amount – 10% or 20%
Maximum Deposit Amount – 50%
Maximum Number of Months to pay – Maximum is 6 months, but merchant can decide to only offer customers a maximum of 2 or 3 months to pay off the balance
V. Merchant then clicks UPDATE.

2. Payment Gateway Installation

I. Merchant then clicks Install Payment Gateway
II. Merchant is then redirected to Shopify payment authorization page, where merchant enters Shopify shop login details and then enters their shop address. Click Log in
III. After that merchant clicks Add Payment Gateway
IV. After adding payment gateway to their shop, merchant needs to activate the Lay-Buy payment gateway. This involves populating the Username (the email address they entered when registering a Lay-Buy merchant a/c and the Lay-Buy membership Number they were allocated when registering. Then click ‘Activate’.

3. Install Embedded App

I. After the gateway has been installed, merchant logs back into their Lay-Buy registration page and goes back to the ‘Shopify Configuration’ tab
II. Click Install Embedded App
II. After installation, merchant can open the “PUT IT ON LAY-BUY’’ App by clicking on “Apps” in shop’s admin menu. When merchant goes into the App, they may have to sometimes log back in using their Lay-Buy registration details.

The Lay-Buys team

LAY-BUY Powered by PayPal reviews

25 reviews
  1. 5 stars (23 reviews)
  2. 4 stars (0 reviews)
  3. 3 stars (1 review)
  4. 2 stars (0 reviews)
  5. 1 star (1 review)

Very easy to integrate with Shopify by following the detailed instructions provided. A great addition to any store. I'm sure customers will love the additional payment option


Great Service,

Was frustrated at first because i wasn't able to set it up myself, but friendly staff came to my rescue and sorted everything out for me.

Keep up the Good Work.


Awesome app, but even more awesome is the support from Warrin and the crew. Anything we need or any issues are always attended to pretty much immediately. Can't recommend these guys enough.


Most difficult app to get activated on Shopify.


great app. love it and it works great with my customers


Amazing service from the team and great options for repayments. Integrates well to the checkout flow.
An awesome solution for customers (in my case, mums) planning ahead of time!


Love this app! It works just as expected and allows buyers to have a convenient way to pay for something on Layaway.


I love this app. Lay-bys have been a big part of my life and the Aussie culture for for the working class. It's brilliant that Lay-Buy is now offered through Paypal. I'll be encouraging this for my target customers, Aussie battlers, and I'm sure it will be a reason they come back and buy off me again.

I'll also add the fantastic service I received from Warrin, the Chief Executive in Queensland, when I thought I had it installed but actually didn't. He emailed and ended up going in and double checking everything. Amazing support.


I waited to write this review until we saw a completed transaction using it. Our first use was a $900+ purchase, and it went smoothly for both the customer and for us. We both received notifications every step of the way, and she received a notice a couple days in advance of the monthly payment date so she knew when it would be coming out. That's perfect. When the final payment was made, she got a thank-you, and we got notice that the order was completed and can now be fulfilled. With no charge to the merchant (how refreshing!) and a minimal charge to the customer - less than one percent, this app has jumped up my favorite list quickly!


I have been really happy with this app. Sales have increased with me not having to do anything it is so easy and Warrin is sups helpful. He always replies within minutes!


We charge the buyer a 0.9% admin fee. Yes less than 1%.
The only cost for merchants are their normal PayPal transactional fees.

Support & Sales

Lay-Buy Financial Solutions Pty Ltd
61 1300 88 61 51
Get Support


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