FlexiLay — Split payments your way (no surprises)
FlexiLay flexilay
Flexible Payment Plans — Powered by FlexiLay

Pay by Schedule. At Checkout or on Invoices.

Whether you’re buying something online or paying an invoice, FlexiLay lets you pay over time with clear dates and totals upfront.

Customer choosing LayBy at checkout
LayBy powered by FlexiLay Most Common

LayBy at Checkout

Split a purchase into a deposit and scheduled payments when buying online. Everything is shown upfront before you commit.

  • ✓ Choose deposit and frequency
  • ✓ Clear dates and totals upfront
  • ✓ Manage payments via a secure portal
How LayBy at Checkout Works
Customer paying an invoice using a payment plan
Payments powered by FlexiLay

Invoice Payment Plans

If a merchant sends you an invoice plan link, you can pay it off over time using the same FlexiLay portal.

  • ✓ Plans created from invoices
  • ✓ One link for balance and receipts
  • ✓ Works with Xero, Odoo, and QuickBooks
How Invoice Plans Work

Built for Trust — No Matter How You Pay

Couple reviewing payments together Person paying a bill on their phone Small business owner managing payments
Clear Before You Commit

All dates, amounts, and totals are shown upfront.

Secure Payments

Payments are processed via Stripe. FlexiLay does not hold customer funds.

One Portal

Pay early, catch up, download receipts, or share your plan link.

You Choose the Plan

FlexiLay is designed to feel clear and flexible. Depending on the merchant’s settings, you can choose your deposit, payment frequency, and how many payments you want to spread it across.

LayBy (also known as layaway in the United States) allows customers to pay by schedule with a clear end date and no revolving balance.

💰 Deposit 📆 Frequency 🔢 Number of Payments
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💰 Can I choose my deposit amount? +
Yes. If enabled by the merchant, you can choose your deposit. FlexiLay updates the schedule automatically so you can review the full plan before confirming.
📆 Can I choose the payment frequency? +
Yes. Many merchants offer weekly, fortnightly, or monthly schedules. Due dates and totals are shown upfront.
🔢 Can I choose how many payments I make? +
Yes. If enabled by the merchant, you can choose the number of payments (plan length) so the schedule fits your budget.
🧾 Where do I see my schedule and receipts? +
Your portal link shows your remaining balance, due dates, and payment history. You can also download receipts there. Payments are processed via Stripe and FlexiLay does not hold customer funds.
🎁 Unique Sharing Feature

Share Your Plan Link

FlexiLay includes a unique sharing system that lets you send your plan link to friends and family. They can contribute (“chip in”) to help pay down the LayBy — perfect for birthdays, special occasions, and group gifts.

🎉 Better for Special Occasions
Group contributions make bigger gifts achievable.
🔗 One Link, Simple Sharing
Send it to family and friends in seconds.
✅ Clear Progress
Everyone can see what’s been paid and what’s left.
💙 More Flexibility
Turn “I can’t yet” into “We can.”
Availability may depend on the merchant’s settings.
Back to Options
Family celebrating as someone opens a gift
Gifts feel better when everyone can chip in.
Share your plan link so friends and family can help you get it paid off.

A More Considered Way to Pay

LayBy focuses on planning and clarity. BNPL often focuses on speed.

🧠
LayBy with FlexiLay
📅
Planned From Day One
Clear start, clear end, clear total.
🎯
You Choose the Structure
Deposit, frequency, and number of payments.
🔍
Full Visibility
See every due date and amount upfront.
💙
Built for Affordability
Encourages paying within your means.
⚡
Typical Buy Now Pay Later
🛒
Designed for Speed
Optimised for impulse checkout.
📦
Short Repayment Cycles
Often limited to a few payments.
🔗
Multiple Plans Stack Quickly
Harder to see total commitments.
⚠️
Payment Pressure
Missed payments may incur fees.
🧾
Defined Commitment
You know exactly what you’re agreeing to.
😌
Less Stress
Longer schedules reduce repayment pressure.
🎁
Built for Real Purchases
Ideal for planned and higher-value items.
FlexiLay provides payment scheduling and visibility. Payments are processed via Stripe and FlexiLay does not hold customer funds.
Customer shopping online at checkout
LayBy powered by FlexiLay
LayBy at checkout feels simple — because it is.
You choose a deposit and schedule, see dates upfront, then manage everything from one portal link.

How LayBy at Checkout Works

FlexiLay gives you options to customise your plan with a clear schedule and a portal link — so you always know what’s next.

Your Plan
Preview
Deposit (Today)
$49.00
Next Payment
$25.00
Remaining Balance
$75.00
View schedule • Pay early • Catch up • Download receipts
✓
No Guesswork
Dates and totals are clear before you confirm.
↻
Easy to Manage
One portal link for everything, anytime.
⚡
Pay Early
Want to finish sooner? You can.
🧾
Receipts Built In
Keep a clean record of every payment.
Payments are processed via Stripe. FlexiLay does not hold customer funds.
Back to Options

How Invoice Payment Plans Work

If you’ve been sent an invoice plan link, FlexiLay lets you pay it off in a clear schedule — with one portal to track everything.

Invoice Plan
Preview
Invoice Total
$1,200.00
Due Today
$200.00
Remaining Balance
$1,000.00
View schedule • Pay early • Receipts • Balance tracking
🔒
Feels Secure
One secure link, one place to manage payments.
📅
Feels Clear
Due dates and totals are always visible.
🤝
Feels Fair
Pay over time without confusion or pressure.
🧾
Receipts Included
Download receipts and track what’s been paid.
Works with Xero, Odoo, and QuickBooks (via merchant setup). Payments are processed via Stripe.
Back to Options
Customer paying an invoice with a payment plan
Payments powered by FlexiLay
Invoice plans feel calmer — because you can see everything.
One link. Clear schedule. Receipts built in.