Laybuy
国家/地区: 新西兰 (NZ) | 底层清算轨道: bank_clearing
BNPL
市场普及率: 2%
Laybuy 是源自新西兰的本土代表性先买后付（BNPL）服务平台，以 6 周按周自动免息分期为核心，广泛用于新西兰本地潮牌服饰、运动装备及生活方式电商。
🔄 用户付款交互流 (User 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
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Adyen