For shoppers

Online & In-Store

Lay-By never
looked this good!

LayUp is free to use with no interest charged.
Simple, smart payments changing the way Africa transacts.

How it works

Online & In-Store

Lay-By never
looked this good!

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 it works

LayUp provides shoppers with the latest secure recurring payment methods in the market. Here’s how the platform can work for you.

Accepted payment methods

visa
Mastercard logo icon
Tap and Pay Icon
debicheck
Instant EFT logo icon

Now anyone can shop with LayUp.

Sign up for free or visit our stores to start shopping.

We use cookies

Cookies help us deliver the best experience on our website. By using our website, you agree to the use of cookies. Find out how we use cookies.