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Laybuy software for ecommerce

Let shoppers reserve an order and pay it off over time in instalments, then collect once it's fully paid — all on your own Stripe account.

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Laybuy software for ecommerce

"Laybuy" is just a common spelling of layby (or lay-by): the long-running way to pay for something in instalments and collect it once it's paid off. Flexilay is genuine laybuy software for ecommerce — your customer commits to an order, pays it down weekly, fortnightly or monthly, and the goods are released when the plan completes. There's no credit, no interest and no debt.

A quick note to avoid confusion: "Laybuy" is also the name of a Buy Now, Pay Later brand (now owned by Klarna), which is lending — the customer gets the goods first and repays a balance later. Flexilay is the opposite model: pay first, collect after. If you're searching for software to run real layby in your store, that's exactly what Flexilay does.

Flexilay LayBy payment plan — a deposit plus scheduled instalments, collected once paid off.
Screenshot or mockup of the Flexilay merchant dashboard showing active layby plans with paid/outstanding amounts.Row of platform logos (WooCommerce, BigCommerce, Odoo, Xero, QuickBooks) with a 'Shopify — coming soon' badge.

What laybuy software does

Laybuy software lets an online store offer the classic layby arrangement at checkout: the shopper reserves their order with a deposit, pays the balance off in scheduled instalments, and collects (or has it shipped) once the final payment clears.

The job of the software is to automate the parts that used to be manual — taking the deposit, building the payment schedule, collecting each instalment on time, tracking how much is left, and telling you when a plan is complete and ready to fulfil. Flexilay handles all of that without you ever lending money or holding a customer's funds.

How Flexilay's laybuy works

Deposit and schedule

The customer pays an initial deposit and Flexilay sets up an instalment plan — weekly, fortnightly or monthly — for the remaining balance.

Automatic Stripe collection

Each instalment is collected automatically through your own Stripe account, so payments land directly with you. Flexilay never holds the funds.

Goods released on completion

You keep control of the order until the plan is paid in full, then fulfil it — the traditional layby model, with no debt for the customer.

Merchant dashboard

Track every active plan, see what's been paid and what's outstanding, and know exactly which orders are ready to release.

Customer portal

Shoppers can view their schedule, see upcoming payments and manage their plan from a simple self-service portal.

Laybuy vs Buy Now, Pay Later

Layby and BNPL both spread the cost of a purchase, but they're fundamentally different. Layby (what Flexilay does) is payment scheduling: the customer pays first and collects once the order is paid off, so there's no lending, no credit check and no debt. BNPL is lending: the customer receives the goods immediately and repays a balance afterwards, which is consumer credit.

This matters for the search term too. The brand "Laybuy" is actually a Buy Now, Pay Later provider founded in New Zealand and now owned by Klarna — so despite the name, it's BNPL/lending, not layby. Flexilay is genuine layby software: pay first, collect after, with you in control of the goods.

Works across your store and platform

Flexilay sits alongside your existing checkout rather than replacing it, so you can switch on layby without re-platforming. Connectors are live for WooCommerce, BigCommerce and Odoo, with accounting sync for Xero and QuickBooks, and a Shopify connector coming soon.

Built in Australia for Australian merchants, Flexilay connects to your own Stripe account so every payment flows straight to you.

Pricing

Flexilay is free to start — there are no monthly fees and no setup fees. You only pay a small fee per completed order, so the cost is tied to plans that actually convert into sales. See the pricing page for the current details.

Frequently asked questions

Is laybuy the same as layby?
Yes. "Laybuy" is simply a common spelling of layby (also written lay-by): paying for an order in instalments and collecting it once it's fully paid. Flexilay is software that runs exactly this for ecommerce stores.
Is this the Laybuy BNPL app?
No. "Laybuy" is also the name of a Buy Now, Pay Later brand (founded in New Zealand, now owned by Klarna), which is lending — customers get the goods first and repay later. Flexilay is unrelated and works the opposite way: customers pay first and collect once the plan is complete.
Does Flexilay run credit checks or charge interest?
No. Because layby is payment scheduling rather than credit, there are no credit checks, no interest and no debt. Customers simply pay for their order over time and collect when it's paid off.
What platforms does it support?
Flexilay has live connectors for WooCommerce, BigCommerce and Odoo, plus accounting sync for Xero and QuickBooks. A Shopify connector is coming soon.
Who holds the money during a layby plan?
You do. Every instalment is collected through your own Stripe account, so payments go straight to you. Flexilay never holds or touches your customers' funds, which means no lending or compliance risk for your business.
How much does Flexilay cost?
Flexilay is free to set up with no monthly or setup fees — you only pay a small fee per completed order. See the pricing page for the latest details.

Keep exploring

How Flexilay worksFlexilay vs LaybuyConnectorsInterest-free payment plan softwareWhy traditional layby is broken

Run real layby in your online store

Offer pay-over-time without becoming a lender — collect instalments on your own Stripe account and release the goods once they're paid off.

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