Business FAQs

Do you have any questions or concerns?

Browse our frequently asked questions or contact LayUp support to get in touch
with someone from our team. We will get back to you as soon as possible.

  • Our plugins or Custom API – Integrate LayUp seamlessly into your website and start accepting payment plans for your online store. The LayUp plugin is available on Shopify, Woocommerce, and Magento or you can directly integrate with our cloud-based API for custom websites. 
  • Our iOS/Android merchant App – Available on the App stores to download for FREE or request to get set up with a Newland N910 card machine to start offering digitised Lay-By payments in-store.
  • Our dashboards – LayUp provides access to a full treasury dashboard to easily allow merchants to view, manage and retrieve their customer’s payment plan history as well as allowing merchants to be able to create personalised Adhoc payment plans.

LayUp is the first recurring payments system to offer a fully cloud-based digitised Lay-by, subscription, membership & debit order payments system in Africa.

Our omnichannel technology and easy to use dashboards make LayUp a powerful solution for everyone from innovative SMEs to large corporations.

We service both online and in-store SME merchants with smart technology that enables them to transition their payment offering onto a more robust scalable solution.

LayUp is designed to service large to enterprise businesses with more complex structures and multi-level integration requirements that need a more tailored integration approach.

LayUp is great for pre-payment plans, Lay-By, subscriptions, membership and debit orders. However, we aren’t able to Offer;

  • Credit Solutions – such as BNPL or revolving credit. We are not a registered FSP and we believe in true interest-free payments
  • Foreign Companies – We only service companies who trade and bank in ZAR at this point. We plan to expand globally soon. Get in touch

LayUp accepts Card(debit/Card), Cash, EFT, recurring debit order payments

  • Result Driven: At LayUp our most important asset is our technology and therefore we ensure we do everything in our power to make sure our tech stack is working and scaling for merchants at all times.
  • We remove your admin: LayUp will remove and reduce the admin of collecting, managing and reconciling piecemeal payments over time. LayUp removes the hassle of following up and chasing for your payments.
  • Simple Pricing Model: Refer to our website to learn more about our pricing options.
  • Transparent communication: A big part of LayUp is for us to make prepayment offerings, clear and transparent to both the merchant and their customers at all times.
  • Our Support Team: LayUp goes above and beyond when it comes to being there when help is needed.

Yes, LayUp is PASA (Payment Association of South Africa) approved as a TPPP (Third Party Payment Provider), through Bankserv. We have proudly been a member of PASA for 3 years and we will continue to follow and abide by the constructs of this association.

  • Lay-By payments
  • Subscription payments
  • Recurring payments

Lay-By payments – This is when a merchant allows their customers to secure an item with a small deposit and spread the remainder of the amount over a period of time. The merchant is required to reserve and hold the purchase for that customer at the selling price and is not allowed to charge interest.

Subscription payments –

Recurring payments –

No, you can accept any limit through LayUp.

LayUp settles all payments via direct bank transfers. The settlement files provide all the relevant information of every transaction collected, reconciled and settled.

We have 3 various settlement structures that we can provide. These are listed below.

  1. Settlement A – LayUp settles Merchant for ALL payments received prior to completion of the payment plan.
  2. Settlement B – LayUp settles DEPOSIT payments and payments received for COMPLETED and CANCELLED payment plans
  3. Settlement C – LayUp settles payments received for COMPLETED and CANCELLED payment plans only

LayUp accepts Card(debit/Card), Cash, EFT, recurring debit order payments

  • Lay-By payments
  • Subscription payments
  • Recurring payments

Lay-By payments – This is when a merchant allows their customers to secure an item with a small deposit and spread the remainder of the amount over a period of time. The merchant is required to reserve and hold the purchase for that customer at the selling price and is not allowed to charge interest.

Subscription payments –

Recurring payments –

Yes, you can. You have full flexibility to set up the payment plan the way you want to that best suits your business and customer.

Yes, this is called an amendment. You can easily amend the payment plan when necessary

We notify in a few different places.

  1. Via email notification to a dedicated email address
  2. Via your merchant dashboard, whereby you can via and see all upcoming payments
  3. Via a contact centre, where merchant support will assist you

Yes – Customers can pay on any device. Our payment pages will work in any up-to-date internet browser with internet connectivity.

After signing up, we recommend that you do a payment test yourself. It takes minutes, is risk-free and will assist you in learning about the LayUp customer journey.

LayUp is an authorised TPPP and PASA Approved. 

The money collected is held in a secure client monies account.

LayUp understands the importance of security, and as such, takes every measure in maintaining data protection for merchants and their customers.

  • Our partnership with DebiCheck means that our systems are approved by major banks within South Africa.
  • We have TPPP certification and are PASA approved
  • Encrypted client-server communication

All money that is collected is held in a secure account.

Yes.

We have TPPP certification and are PASA approved.

No. By law, customers are required to fill in their payment details and go through the signup process themselves.

Yes.

Your customer can enter their bank details online via the LayUp website.

Only once authorisation is in place. Customers must be sent to our secure payment pages to give initial authorisation of the Direct Debit.

Once authorisation is in place payment can be requested via the API.

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