Websites using LayBuy

LayBuy is a buy now, pay later (BNPL) payment service that allows customers to split purchases into six weekly, interest-free installments. Operating primarily in New Zealand, Australia, and the United Kingdom, LayBuy provides immediate access to products while spreading the payment burden over time. Customers pay one-sixth of the purchase price upfront, with the remaining five payments automatically deducted weekly from their linked payment method. The service performs soft credit checks and applies spending limits based on individual circumstances to manage credit risk. LayBuy integrates with e-commerce platforms and point-of-sale systems, providing merchants with full payment upfront while customers pay over time. The platform targets younger consumers seeking flexible payment options without traditional credit card debt or interest charges. LayBuy generates revenue through merchant fees rather than consumer interest, making it an attractive option for retailers looking to increase conversion rates and average order values.