Is it safe & secure?

All LAY-BUY payments are automatically setup in PayPal’s secure environment.

Are there any ongoing costs?

No ongoing costs – only a once-off admin fee, payable to Lay-Buys. The amount depends on order value.

Are there any interest charges?

No interest charges ever.

Are there any late fees?

No late fees ever.

Is it flexible?

Yes, customers can payout balance at any time and take an earlier delivery. Customers need to simply contact us. Customers will then receive an email from us with an embedded payment link for their payment of remaining balance in PayPal.

When do I receive the goods?

Customers receive their goods after their final payment is made. 

How are Lay-Buy installments payments paid?

Lay-Buy installments payments are auto-paid from their linked card in their PayPal setup.

How do I ensure all Lay-Buy installment payments are paid?

Customers must ensure there is always funds available and correct card is linked in PayPal.

Steps:

Steps to check you have correct card linked

• Login to PayPal
• Click ‘settings’
• Click ‘payments’
• Click ‘manage automatic payments’
• Click ‘set available funding sources’

You will then see the credit card and/or bank card that’s linked to your account setup.
You need to ensure the correct card is residing here, and select for the recurring payments to work.

Can a customer manually make payments towards their Lay-Buy order?

No – all Lay-buy payments are automated via a recurring profile in your PayPal setup.
Customers can settle their balance at any time.

How does a customer settle a LAY-BUY earlier?

Customer needs to contact us to revise their payment plan. Customers cannot revise themselves. Customers need to simply contact us. Customers will then receive an email from merchant with an embedded payment link for their payment of balance in PayPal.

What happens if a payment is missed?

PayPal will then auto attempt again in 5 days, two more times – please ensure you have sufficient funds, and have the correct card linked in your PayPal setup.

Is the customer and merchant told about a missed Payment?

Yes, PayPal send an email notification to both parties.

How does a customer catch up a missed payment?

We will invoice the customer for any missed payments.

Can a customer see their payment plan?

Yes, you can login to your PayPal account – go to settings >> payments >> pre-approved payments.
Lay-Buys do not have a customer or login section on their website

Why does PayPal auto-cancel a payment plan?

PayPal auto-cancels a profile if they cannot link the recurring payments to a card in the customer’s setup.
And they then have to unfortunately cancel the plan.
These are the steps the customer needs to follow to rectify their setup, and link the correct card.

Steps:

Steps to check you have the correct card linked

• Login to PayPal
• Click ‘settings’
• Click ‘payments’
• Click ‘manage automatic payments’
• Click ‘set available funding sources’

You will then see the credit card and/or bank card that’s linked to your account setup. You need to ensure the correct card is residing here, and select for the recurring payments to work. Then the customer can then try place order again – and this next time, the plan will not be auto-cancelled.