Lay‑Buys Virtual Terminal

Edited 10/15/20:
There aren't a lot of apps I would come back three times for, but Lay-Buys has been a favorite of ours for a long time now (see below). Our customers love it, it increases our average order size, and it costs us NOTHING, ever. I can't recommend any app more, so I've come back to let readers know that we've been using it since 2016 and find it crucial to our success and growth. You have nothing to lose and everything to gain by installing this one for your customers! Edited 1/25/18: We've been using this app for 18 months now, and it has increased both our sales and our cart size very noticeably. We currently have over 24 orders on the Lay Buys program, which shows how much customers appreciate it! Many of these orders are from repeat customers who were very happy using it the first time and have come back for more collectibles, using it again to help budget those larger purchases. I see a couple reviews stating that the app slows down page load, but it does not slow down loading on our site, so perhaps they're mistaken about the cause of their slow load? We've had no issue with the app's operation, and it remains one of our most valuable add-ons to our Shopify site in terms of increased revenue. We've contacted Lay Buys support a few times with questions or to request tweaks to the app and Warrin always responds promptly with the help or feature we've requested. Truly, we couldn't be happier! And all this comes at zero cost to us, and very little cost to the customer? It's a huge win all around! Original review was in 2016:
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! Eleda Towle
Triple Mountain Model Horses
www.TripleMountain.com

We couldn't be happier.
Easy to use for our customers and for us!
We have had many purchases due to Lay-Buy
We can make changes easily, get great support and updates
Integration was simple and immediate

It's not perfect, but it has far fewer limitations that it's big commercial counterparts, and is way easier to get help with.

Lay-Buys is better than SLICED BREAD! :)

I've had this app running on my store for several years now. It offers our customers a lay-buy solution to manage their cash flow. We have some customers who prefer this payment option over a buy-now type option and I like being able to support them in that.