LayBuy Technology Intelligence

What is Laybuy?

Laybuy is a buy now, pay later (BNPL) payment service that allows shoppers to split purchases into six weekly interest-free installments. The platform enables retailers to offer flexible payment options at checkout, increasing conversion rates and average order values. Laybuy originated in New Zealand and has expanded to serve retailers and consumers in the UK and Australia.

The service addresses consumer desire for payment flexibility without incurring traditional credit card interest. Shoppers receive their purchases immediately while spreading the cost over six weeks. No interest charges apply when payments are made on time. This arrangement makes larger purchases more accessible for budget-conscious consumers.

For retailers, Laybuy integration provides competitive payment options. Merchants receive full payment upfront minus a transaction fee, eliminating payment risk. Laybuy assumes the credit risk and handles collection from consumers. The payment option can increase conversion rates, particularly for considered purchases.

Laybuy integrates with major e-commerce platforms through plugins and APIs. Shopify, WooCommerce, Magento, and BigCommerce integrations simplify implementation. The payment option appears at checkout alongside traditional methods. Marketing assets help promote the payment option to customers.

Detection of Laybuy on a website indicates BNPL payment flexibility in specific geographic markets. Organizations using Laybuy target consumers preferring installment payments. The presence suggests customer-focused payment options particularly in UK, NZ, and Australian markets.

Laybuy Platform Features

Six Weekly Payments: Purchase split into six equal installments. First payment at checkout. Remaining five weekly. Predictable payment schedule.

Interest-Free: No interest charges for on-time payments. True cost equals purchase price. Consumer-friendly terms. Clear payment terms.

Instant Approval: Quick credit decision at checkout. Real-time eligibility check. Minimal friction for approved shoppers. Fast checkout completion.

Merchant Protection: Full payment upfront to merchants. Laybuy assumes credit risk. No chargebacks from non-payment. Protected revenue.

Platform Integrations: Shopify, WooCommerce plugins. Magento and BigCommerce support. API for custom integration. Implementation options.

Marketing Tools: On-site promotional banners. Product page messaging. Checkout communication. Marketing asset library.

Customer App: Mobile app for consumers. Payment management. Purchase tracking. Consumer engagement.

Laybuy Use Cases

Fashion Retail: Clothing purchases spread over weeks. Seasonal shopping affordability. Wardrobe updates accessible. Fashion spending flexibility.

Electronics: Tech purchases made manageable. Device upgrades accessible. Electronics affordability improved. Higher-value items purchased.

Home Goods: Furniture and decor purchases. Home improvement affordability. Larger purchases enabled. Home spending flexibility.

Beauty and Wellness: Premium beauty products accessible. Wellness spending spread out. Self-care affordability. Beauty purchases enabled.

Sports and Outdoor: Equipment purchases manageable. Seasonal gear affordable. Activity enablement. Sports spending flexibility.

UK/NZ/AU Markets: Regional market focus. Local consumer preferences met. Market-specific BNPL option. Geographic targeting.

Laybuy Integration Examples

Shopify Installation

// Laybuy Shopify integration:
// 1. Apply for merchant account at laybuy.com
// 2. Receive merchant credentials
// 3. Install Laybuy app from Shopify App Store
// 4. Configure settings with credentials
// 5. Enable payment method at checkout

// Product page widget added automatically
// Checkout option appears for eligible orders

Product Page Widget

<!-- Laybuy price breakdown widget -->
<div id="laybuy-widget"
     data-price="120.00"
     data-currency="GBP">
</div>
<script src="https://integration.laybuy.com/widget.js"></script>

<!-- Displays: "or 6 weekly payments of £20.00" -->

<!-- Custom styling -->
<style>
#laybuy-widget {
    font-size: 14px;
    color: #666;
    margin: 10px 0;
}
#laybuy-widget .laybuy-logo {
    height: 18px;
    vertical-align: middle;
}
</style>

API Integration

const axios = require('axios');

const laybuyApi = axios.create({
    baseURL: 'https://api.laybuy.com',
    headers: {
        'Authorization': `Basic ${Buffer.from(`${MERCHANT_ID}:${API_KEY}`).toString('base64')}`,
        'Content-Type': 'application/json'
    }
});

// Create order
const createLaybuyOrder = async (orderData) => {
    const response = await laybuyApi.post('/order/create', {
        amount: orderData.total,
        currency: 'GBP',
        merchantReference: orderData.orderId,
        customer: {
            firstName: orderData.customer.firstName,
            lastName: orderData.customer.lastName,
            email: orderData.customer.email,
            phone: orderData.customer.phone
        },
        billingAddress: orderData.billingAddress,
        shippingAddress: orderData.shippingAddress,
        items: orderData.items.map(item => ({
            id: item.sku,
            description: item.name,
            quantity: item.quantity,
            price: item.price
        })),
        returnUrl: `${BASE_URL}/checkout/complete`,
        cancelUrl: `${BASE_URL}/checkout/cancel`
    });

    return response.data.paymentUrl;
};

Confirm Payment

// Handle return from Laybuy
const confirmLaybuyPayment = async (token) => {
    const response = await laybuyApi.post('/order/confirm', {
        token: token
    });

    if (response.data.result === 'SUCCESS') {
        return {
            success: true,
            orderId: response.data.orderId,
            laybuyOrderId: response.data.laybuyOrderId
        };
    } else {
        return {
            success: false,
            error: response.data.error
        };
    }
};

// Webhook handler
app.post('/webhooks/laybuy', (req, res) => {
    const { event, orderId, status } = req.body;

    if (event === 'payment.complete') {
        updateOrderStatus(orderId, 'paid');
    } else if (event === 'payment.failed') {
        updateOrderStatus(orderId, 'payment_failed');
    }

    res.sendStatus(200);
});

Marketing Banner

<!-- Promotional banner -->
<div class="laybuy-promo">
    <img src="https://integration.laybuy.com/assets/banner.png"
         alt="Pay with Laybuy" />
    <p>Split your purchase into 6 weekly interest-free payments</p>
</div>

<!-- Footer badge -->
<div class="payment-methods">
    <img src="https://integration.laybuy.com/assets/badge.svg"
         alt="Laybuy accepted" height="30" />
</div>

Why Teams Choose Laybuy

Six-Week Split: Unique six-payment structure. Different from four-payment competitors. Extended payment period. Consumer-friendly timing.

Regional Strength: Strong in UK, NZ, AU markets. Local market understanding. Regional consumer recognition. Geographic focus.

Conversion Increase: BNPL increases purchase completion. Larger basket sizes. Reduced cart abandonment. Conversion improvement.

No Risk Transfer: Merchant paid upfront. Credit risk with Laybuy. No collection concerns. Protected cash flow.

Easy Integration: Platform plugins available. Quick implementation. Minimal technical effort. Fast time to launch.

Marketing Support: Promotional materials provided. Co-marketing opportunities. Brand awareness benefit. Marketing assistance.

Consumer App: Customer engagement beyond purchase. Payment management for buyers. Brand exposure in app. Ongoing customer touchpoint.