The home improvement industry is booming in South Africa, with more homeowners and renters investing in upgrades, renovations, and DIY projects. However, the cost of materials, tools, and furniture can be a significant barrier for many customers. That’s where LayUp Technologies offers a flexible, debt-free payment solution that helps customers afford what they need while boosting merchant sales.
One of LayUp’s biggest success stories in the home improvement sector is Top T, a leading retailer specialising in tiles, flooring, and home renovation essentials. Let’s explore how LayUp has transformed customer purchasing behaviour and business growth for Top T and its customers.
ALSO READ: Driving Growth and Agility in the Payments Sector
The Challenge: Making Home Upgrades More Affordable
Home improvement projects often come with high upfront costs, making it difficult for customers to commit to purchases. Many consumers:
- Struggle to pay upfront for materials like tiles, paint, and fixtures.
- Avoid high-interest credit options like store accounts and personal loans.
- Delay projects due to financial constraints, leading to lost sales for retailers.
For Top T, these challenges meant potential customers were walking away from purchases or downsizing their renovation plans due to affordability concerns.
The Solution: LayUp’s Interest-Free Payment Model
By integrating LayUp’s Save Now, Buy Later (SNBL) and lay-by payment solutions, Top T was able to:
- Give customers an alternative to credit with flexible, interest-free payment plans.
- Increase conversion rates by making home upgrades more accessible.
- Reduce purchase hesitation by allowing customers to save toward their goal at their own pace.
With LayUp, customers can start their savings plan with a small deposit, make manageable payments over time, and complete their purchases when they reach their goal—all without debt or hidden fees.
ALSO READ: Financial Wellness: A Win-Win for Customers and Businesses (Infographic)
The Impact: How LayUp Boosted Sales at Top T
Since implementing LayUp, Top T has experienced significant business growth, stronger customer retention, and a seamless payment process that benefits both the company and its shoppers.
-
Higher Sales Conversions
More customers are completing purchases instead of delaying their home improvement projects. Currently, 60% have already completed their purchases, while fewer than 1% have cancelled their plans.
-
Minimal Cancellations
With LayUp’s commitment-based payment structure, cancellations are rare, ensuring a steady revenue flow for Top T.
-
Increased Average Order Value (AOV)
By offering flexible payment plans, customers feel more confident making larger purchases. In the case of Top T, this equates to an AOV of R4,000.
-
New Customer Acquisition
LayUp has helped Top T attract budget-conscious shoppers and first-time home improvers who were previously hesitant to buy. Since the partnership began, an average of 185 new customers have used LayUp to make their purchases.
-
Zero Credit Risk for Top T
With LayUp managing the payment process, Top T bears no financial risk—just increased sales and happier customers. Additionally, there are no cancellation fees since no stock is held for unpaid orders.
Why More Home Improvement Retailers Are Partnering with LayUp
Top T’s success is just the beginning. As more businesses recognise the power of flexible, customer-friendly payment options, LayUp expands across the home improvement, furniture, and appliance sectors.
For retailers, LayUp offers:
- Increased sales and conversions with payment flexibility.
- A risk-free revenue model—no credit risk, just more customers.
- Customer loyalty and repeat purchases as customers return for new projects.
For customers, LayUp means:
- No debt, no interest—just stress-free shopping.
- A simple way to plan and budget for big purchases.
- The ability to achieve their home improvement dreams on their terms.
Join the Home Improvement Revolution with LayUp!
LayUp impacts how South Africans shop for tiles, flooring, furniture, and home upgrades—one flexible payment plan at a time. Top T proves that offering a smarter pay option leads to real business growth and happier customers.
Are you a retailer looking to boost sales and attract more customers? Partner with LayUp today and make home improvement more affordable and accessible.
