Online & In-Store
LayUp is free to use with no interest charged.
Simple, smart payments changing the way Africa transacts.
Online & In-Store
Save Now,
Buy Later
LayUp is free to use with no interest charged. Simple, smart payments changing the way Africa transacts.
Shop debt-free.
Wherever you are.
Now, you can split the cost at your favourite stores.
Pay over time, always interest-free. Online & In-store.
Pay online, from any device
A payment solution that lets you buy without using credit
No credit checks:
LayUp is a credit-free payment alternative that lets anyone make purchases without using credit.
Zero interest:
Instalments are interest-free. You won’t be charged late fees or penalties for missing a payment, ever.
Instant approval:
Activate your payment plan in seconds. No forms or paperwork needed.
Debt-free payment method:
LayUp is not a credit provider, so you will never be at risk of attracting interest or incurring debt.
Pay online, from anywhere:
Save time reducing travel costs to and from stores, make convenient payments instalments online through your LayUp account.
Instant approval:
To provide greater access, LayUp doesn't require an ID number. You only need a South African cellphone number.
How it works
LayUp provides shoppers with the latest secure recurring payment methods in the market. Here’s how the platform can work for you.
- How Lay-By works
- How Subscription works
01. Create payment plan
Select LayUp at checkout or point of sale and configure your payment plan. This can be split into weekly or monthly instalments to be paid on any day that you choose.
02. Sign up
Enter your details to sign up. Once you have signed up, you will activate your Lay-By by paying a deposit via card, cash or instant EFT.
03. Pay it off
Pay online from anywhere through your own dashboard. We’ll send timely notifications so you stay on track. Payments are flexible which means that you can also pay up sooner to receive your item ahead of the original set date.
04. Payment completion
You will receive your purchase once your payment plan is complete.
Select LayUp at checkout or point of sale and configure your payment plan. This can be split into weekly or monthly instalments to be paid on any day that you choose.
Enter your details to sign up. Once you have signed up, you will activate your Lay-By by paying a deposit via card, cash or instant EFT.
Pay online from anywhere through your own dashboard. We’ll send timely notifications so you stay on track. Payments are flexible which means that you can also pay up sooner to receive your item ahead of the original set date.
You will receive your purchase once your payment plan is complete.
01. Create payment plan
Create a flexible plan that suits you.
02. Sign up
Once your plan is configured, you can make your first payment via debit/credit or instant EFT to activate your subscription. From here, all you need to do is enter a few details for the one-step OTP sign up to be initiated.
03. Timely Payment Collections
Once activated, LayUp will collect payment reminders on the due date set by you or the merchant.
Create a flexible plan that suits you.
Once your plan is configured, you can make your first payment via debit/credit or instant EFT to activate your subscription. From here, all you need to do is enter a few details for the one-step OTP sign up to be initiated.
Once activated, LayUp will collect payment reminders on the due date set by you or the merchant.
How it works
LayUp provides shoppers with the latest secure recurring payment methods in the market. Here’s how the platform can work for you.
- How Lay-By works
- How Subscription works
01. Create payment plan
Select LayUp at checkout or point of sale and configure your payment plan. This can be split into weekly or monthly instalments to be paid on any day that you choose.
02. Sign up
Enter your details to sign up. Once you have signed up, you will activate your Lay-By by paying a deposit via card, cash or instant EFT.
03. Pay it off
Pay online from anywhere through your own dashboard. We’ll send timely notifications so you stay on track. Payments are flexible which means that you can also pay up sooner to receive your item ahead of the original set date.
04. Payment completion
You will receive your purchase once your payment plan is complete.
01. Create payment plan
Create a flexible plan that suits you.
02. Sign up
Once your plan is configured, you can make your first payment via debit/credit or instant EFT to activate your subscription. From here, all you need to do is enter a few details for the one-step OTP sign up to be initiated.
03. Timely Payment Collections
Once activated, LayUp will collect payment reminders on the due date set by you or the merchant.
Accepted payment methods
Now anyone can shop with LayUp.
Sign up for free or visit our stores to start shopping.