Flexilay
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The Shopify layby app built around real LayBy, not BNPL

Flexilay brings modern LayBy payment scheduling to Shopify checkout, so shoppers can pay for an order over time and collect it once it's paid off, with no credit, no interest and no debt.

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The Shopify layby app built around real LayBy, not BNPL

Flexilay is now an approved Shopify payment option, so you can install it and offer LayBy at your checkout today. If you sell on Shopify and want a genuine LayBy option rather than another Buy Now, Pay Later lender, this is built for you.

A real Shopify layby app lets customers commit to a purchase and pay it off in instalments through your own Stripe account, while you hold the goods until the final payment clears. There's no lending, no credit checks and no debt for your shoppers. It's the traditional LayBy model that Australian retailers have trusted for decades, rebuilt for a modern Shopify checkout.

Flexilay LayBy payment plan — a deposit plus scheduled instalments, collected once paid off.
Side-by-side visual contrasting a calm LayBy payment schedule (Flexilay) with a BNPL 'pay later' loan flow on Shopify.Photo of an Australian Shopify merchant packing an order that's being held in LayBy until it's paid off.

What a Shopify layby app should do

LayBy and Buy Now, Pay Later are not the same thing, and a true layby app should reflect that. Instead of paying you upfront and handing the customer a loan, a layby app schedules the customer's payments and releases the goods only once the order is fully paid.

That means no credit is extended, no debt is created and no third party holds your money. The payments run through your own payment processor, you stay in control of the goods, and your customer pays at a pace they can afford, without interest.

What Flexilay adds to your Shopify store

LayBy at checkout

Shoppers choose a LayBy plan at your Shopify checkout, with the full schedule shown clearly before they confirm.

Flexible schedules

Offer weekly, fortnightly or monthly instalments and set the plan length that suits your products and customers.

Deposit rules

Set an upfront deposit and let the balance be paid down over the schedule you choose.

Branded customer portal

Customers track every plan they hold with you from one link, with reminders and receipts handled automatically.

Merchant dashboard

See active plans, payments and completions at a glance, and set your own release and refund rules.

No lending risk

Payments run through your own Stripe account and Flexilay never holds funds, so you're not lending money or extending credit.

Layby, not BNPL — why it matters

Buy Now, Pay Later providers pay you upfront, ship the goods immediately and then become the customer's creditor, collecting repayments and carrying the credit risk. On longer financing plans that can mean credit checks and interest for your shopper.

Flexilay does none of that. It's a scheduling layer over your checkout: the customer commits to an order and pays it off in instalments through your own Stripe account, with no money lent, no credit extended and no debt created. You simply hold the goods until the final payment clears. For shoppers who actively avoid debt, that distinction is the difference between converting them and turning them away.

Also live on other platforms

Shopify joins a range of platforms Flexilay already supports, so if you run multiple storefronts or invoice some sales, every plan lives in the one dashboard.

Flexilay's connectors are live for Shopify, WooCommerce, BigCommerce and Odoo at checkout, and for Xero and QuickBooks invoice payment plans. It is the same LayBy experience on every platform. Built in Australia for Australian merchants.

Getting started on Shopify

Install FlexiLay Payments from your Shopify admin — it lives under Settings → Payments as an alternative payment provider (use the install link below to jump straight there), or find it on the Shopify App Store. Then connect your own Stripe account. Choose which products can be bought on LayBy, set your deposit and schedule rules, and LayBy appears at checkout alongside your existing payment methods.

There are no monthly or setup fees, so you can switch it on for a single collection or your whole catalogue and see how your customers respond.

Frequently asked questions

Is Flexilay available on Shopify yet?
Yes. Flexilay is an approved Shopify payment option, listed on the Shopify App Store as FlexiLay Payments — install it, connect your Stripe account and switch on LayBy at checkout. Flexilay is also live on WooCommerce, BigCommerce, Odoo, Xero and QuickBooks.
What's the difference from Shop Pay Installments or Afterpay?
Shop Pay Installments (powered by Affirm) and Afterpay are Buy Now, Pay Later services: they pay you upfront, ship the goods immediately and lend the customer the money, taking on the credit risk themselves. Flexilay is the opposite — it's LayBy payment scheduling. The customer pays for their order in instalments through your own Stripe account and collects once it's paid in full, with no lending, no credit checks and no debt.
Will customers pay interest or undergo credit checks with Flexilay on Shopify?
No. Because Flexilay is payment scheduling and not credit, there are no credit checks, no interest and no debt. Customers simply pay for their order over time in weekly, fortnightly or monthly instalments.
How do I install Flexilay on Shopify?
Log in to your Shopify admin and add FlexiLay Payments under Settings → Payments (our install link takes you straight there), connect your Stripe account and configure which products are eligible along with your deposit and schedule rules. LayBy then appears as a payment option at your Shopify checkout.
Does Flexilay hold my customers' money?
No. Payments run through your own Stripe account, and Flexilay never holds funds. You keep control of the goods and release them once the plan is paid in full, so there's no lending or money-handling risk for your business.
How much does the Shopify layby app cost?
Flexilay is free to use with no monthly or setup fees — just a small fee per completed order. See the pricing page for the current details.

Keep exploring

Install FlexiLay in your Shopify adminFlexiLay Payments on the Shopify App StoreShopify LayBy connectorHow Flexilay worksWhy Flexilay isn't BNPLLayby vs layawayBuy Now, Pay Later alternatives

Offer LayBy on Shopify today

Install Flexilay on your Shopify store and give customers a debt-free way to pay over time — no credit, no interest, no debt.

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