Laybuy

Country: New Zealand (NZ) | Payment Rail: bank_clearing

BNPL Market Adoption: 2%

Laybuy is an iconic New Zealand-founded BNPL solution, featuring 6 weekly automatic interest-free installments widely used for fashion apparel, footwear, and lifestyle goods.

🔄 User Payment Flow

User selects Laybuy at merchant checkout
User pays 1/6th of total order today at checkout
Remaining 5 automatic weekly payments are scheduled over the next 5 weeks
Order is processed and dispatched immediately

⚙️ Characteristics & Settlement

Instant Payment	YES
Supports QR	NO
Supports Recurring	YES
Supports Refund	YES

🛠️ Merchant Integration Steps

Merchant generates Laybuy checkout session via API
Laybuy validates customer creditworthiness and approves transaction
Merchant receives full settlement payment minus processing fee
Laybuy collects subsequent weekly installments

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Adyen