The traditional lay-by is getting a fintech facelift, and forward-thinking merchants are reaping the rewards. As both B2B buyers and consumers look for more value, flexibility, and purpose in how they pay, LayUp offers a modern, interest-free solution that meets these changing expectations.
Here’s how LayUp is helping merchants grow with a debt-free payment approach, backed by emerging B2B trends.
ALSO READ: Driving Growth and Agility in the Payments Sector
1. From Features to Outcomes: Value-Driven Selling
Today’s B2B buyers care less about product specs and more about results. According to Gartner, 80% of B2B sales interactions will occur in digital channels by 2025, and buyers are looking for clear ROI before committing.
LayUp’s advantage? It unlocks real value at the point of sale, enabling merchants to offer customers interest-free lay-bys with built-in rewards, automated savings tools, and zero credit checks. These aren’t just features; they’re conversion-boosting benefits.
- Result: More loyal, financially empowered customers who complete their purchases and return for more.
🔍 Merchant Case Study: Cashbuild
As one of South Africa’s largest building material retailers, Cashbuild introduced LayUp to offer customers a secure, interest-free way to pay for home improvement projects. The result?
- Increased foot traffic from cost-conscious shoppers
- Higher average transaction values
- Improved loyalty and repeat purchases from lay-by customers who appreciated the flexibility
By allowing shoppers to save and pay over time, Cashbuild turned price sensitivity into purchasing power.
2. Financial Wellness as the New Loyalty Programme for Merchants
In a world of rising debt and economic pressure, financial wellness isn’t just a consumer concern—it’s a brand differentiator. Deloitte reports that nearly three-quarters of consumers
expect brands to offer benefits beyond their products, and are more loyal to companies that support their financial well-being.
LayUp empowers merchants to stand out by giving shoppers the tools to spend responsibly, avoid credit pitfalls, and reach the big goal—living debt-free. This builds trust and long-term retention that points-based loyalty programmes can’t match.
- Key takeaway: When merchants help customers thrive financially, loyalty follows.
🔍 Case Study: iStore South Africa
Through its partnership with LayUp, iStore South Africa empowers customers to afford high-ticket electronics without resorting to credit or contracts.
- Customers can plan for big-ticket items like smartphones
- LayUp’s instalment model helps ease the financial burden without compromising on product access
This approach boosts customer satisfaction and reinforces iStore’s brand as a tech provider that cares about long-term value.
3. Emotional ROI: Telling Stories That Sell
B2B decisions might start with logic, but they close with emotion. McKinsey research shows that B2B brands that connect emotionally see twice the impact on purchase intent.
That’s why LayUp highlights the everyday wins—like a family reaching a long-awaited purchase goal or a shopper planning confidently for something they’ve always wanted.
Message to merchants: This isn’t just about revenue. It’s about impacting lives and meeting the shopper where they’re at.
🔍 Case Study: Top T
Top T, a destination for affordable tiles and home finishes, taps into LayUp to help customers bring renovation dreams to life without financial strain.
- Customers used LayUp to lock in prices and pay off purchases interest-free
- Staff reported greater rapport and trust from customers, who felt more financially secure and supported
The ripple effect? Higher conversion rates, fewer cancelled sales, and a boost in community benevolence.
ALSO READ: How LayUp Is Taking Over the Home Improvement Industry: A Top T Case Study
4. Purpose-Driven Partnerships Win More Business
A study found that 83% of young business leaders prefer partners who align with their values. LayUp’s credit-free, risk-free payment model offers a distinct advantage as the world moves toward more sustainable, ethical commerce.
Merchants who offer LayUp don’t just move products—they send a message: “We care about your financial health.”
Trust isn’t a byproduct. It’s the new currency of commerce.
5. Proof Over Promises: Case Studies That Convert
B2B audiences are savvy, and they want receipts. According to LinkedIn, case studies are the #1 content type for influencing B2B purchase decisions.
LayUp presents a goldmine of outcomes: higher conversion rates, reduced cart abandonment, and increased ticket sizes across verticals from home improvement to electronics, not to mention increased flexibility for it’s customers.
In Summary: LayUp Isn’t Just a Payment Tool. It’s a Growth Partner
As the line between financial empowerment and brand loyalty continues to blur, merchants need more than a payment gateway. They need a partner who can help them drive connection, long-term trust, and meaningful value.
LayUp is partner-coding—a new cashflow change in which merchants grow, shoppers win, and loyalty is built one payment at a time. From home hardware to high-end electronics, LayUp is helping merchants make more substantial businesses—one interest-free payment at a time.
Whether you’re trying to:
- Reduce cart abandonment
- Grow ticket sizes
- Or build long-term customer loyalty
LayUp offers the tools, proof points, and purpose today’s merchants need.
In short? It’s not just a payment tool—it’s your competitive edge.
ALSO READ: Financial Wellness: A Win-Win for Customers and Businesses (Infographic)
