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Shop & Pay the Smarter Way

Join the largest network of Layby shoppers in just a
few clicks and get the best deal – guaranteed!

Our FAQs

For Consumers

A layby purchase is one where goods or services are paid over time, and their ownership is transferred only once the full purchase price is made.

Further, when you know what items you want, and you know when you’ll need them, then securing the best deals now make the most sense.

This, together with the positive anticipation of acquiring these items soon, all make layby the smartest way to shop.

Registering as a Layby Café consumer, only takes a minute.

No bank guarantees or personal financial information required.

No setup fees, monthly subscriptions nor interest payments for consumers.

You can then choose the Layby Café payment option at all participating merchants and brands online and instore.

Be assured of the best deal for all SOON campaign items guaranteed, or Layby Café will match the difference.

In the same way that credit cards enable credit purchases, Layby Café enables consumers to shop online or in-store, with all their favourite merchants and brands on layby and, at the end of the month, settle all their layby’s with a single convenient instalment.

With a single Layby Café account, consumers can shop, pay, track and manage all their layby’s, with all participating merchants, from a central online dashboard.

Essentially enabling you to create dedicated savings pockets for all the things you really need, without having to keep your own records, and at no additional cost.

In a nutshell:

Shop online or in-store with all merchants offering the Layby Cafe payment option.

Pay your deposits and affordable monthly installments online at any time.

View all your layby’s and outstanding balances from your personal dashboard.

Get the merchant’s best deal on all SOON event campaign items, guaranteed!

All the features of Layby Café are absolutely free to use including making payments, checking balances and knowing that your funds are completely safe throughout the purchase cycle.

The beauty of Layby Cafe is that it carries zero interest throughout the purchase period.

Essentially, the amount you see is the amount you pay.

Your credit score is not affected in any way when you shop and pay with Layby Cafe.

If something happens and you can’t complete the purchase, simply cancel the transaction and get your money back.

100% safe. Funds are securely held in trust for you by Old Mutual for the duration of the transaction.

Your money is safe, 100% of your payments are refundable.

Funds are securely held in trust by Old Mutual and are only paid to the merchant (unless triple AAA rated) when the final instalment has been paid to Layby Café.

You spread layby payments over several months.

But unlike with a credit card ( instant gratification ), you can only take the product home once it’s been paid for them ( positive anticipation )

Layby charges are zero and you’ll never be charged interest.

With credit card purchases, you take the items home immediately, but you are charged monthly interest on the outstanding credit amount.

Consumers are continuously searching for smarter, more affordable and convenient ways to shop. 

Further, when you know what items you want, and you know when you’ll need them, then securing the best deals now make the most sense.

This, together with the positive anticipation of acquiring these items soon, all make layby the smartest way to shop.

Layby Café also guarantees you’ll get the best deal on all SOON campaign items, or Layby Café will match the difference.

With Layby Cafe, consumers are able to secure the best possible deals on all SOON campaign items from all merchants offering the Layby Café payment option, for the duration of their layby

Online or in-store options, for collection or delivery

One single account no matter how many layby’s/ orders you place

You can conveniently settle all your deposits and instalments through whichever method they choose

You know your funds are safe and secure

What are the main benefits for consumers?

Quick and simple online registration with instant access to start shopping.

A single account enables the consumer to shop across multiple merchants.

Best Deal Guaranteed from merchants for the duration of the layby period.

Shop online or in-store, with a single account, from all participating merchants.

Can choose between collection or delivery, where appropriate.

Consumers can choose between several secure and convenient payment methods.

Track purchases and outstanding balances online in real time.

Funds are securely held in trust by Old Mutual.

Cancelled layby’s are instantly refunded into the consumer’s Layby Café wallet.

Your Layby Café membership guarantees that you will receive the best deal on all SOON campaign items, from merchants offering the Layby Café payment option,  for the duration of your layby or we ( Layby Café ) will match it.

Yes, Layby Café Financial Services ( Pty ) Ltd is fully compliant with the CPA, and all transactions are handled as stipulated by the CPA.

As a consumer you have certain rights.

The Consumer Protection Act and the Bill of Rights allow consumers certain rights, and these include the following:

Right to privacy.

Right to choose your product.

Right to fair and honest dealing.

Right to disclosure of information

Right to fair and responsible marketing.

Right to accountability by suppliers.

Right to fair value, good quality and safety.

Right to fair, just and reasonable terms and conditions.

Right to Equality in the consumer market and protection against discriminatory marketing.

 

The Influencer program is designed for leaders in your community to promote Layby Café, and receive financial rewards for activating consumers.

Every time those consumers complete a layby transaction using your unique Influencer’s promo code, you will be rewarded in terms of the published guidelines.

Details are on the “Influencer Program” page of www.laybycafe.com

To register as a consumer, please visit https://laybycafe.com/registration/  and follow the three simple steps, or alternatively register with your social media click throughs on www.laybycafe.com

There are absolutely NO additional or hidden costs to you.

You pay the ticket price set by the merchant, and further assured of the best deal on all SOON campaign items.

There is no limit to the number of layby purchases that one can make, in fact you should be securing the best now, for all your special events coming soon.

There is no cancellation fee if you cancel the transaction for whatever reason.

Your funds will e retained in your Layby Café wallet, which you can redeem immediately or use for another layby in the future.

It’s your choice entirely – it’s your money.

Simply login into your account ( dashboard ) and click on MY WALLET.

You will then have an option to cancel your purchase, and click on the PAY OUT button.

You can cancel a transaction at any time.

Your funds will be refunded to your Wallet.

You can then either cash out or use the funds in your wallet for a new layby purchase at any merchant offering the Layby Café payment option.

You will be given a grace period to state your intention regarding whether you are still committed to continuing with the layby purchase, and if you do not, your transaction will then be cancelled

You can change your payment terms at any time.

If you pay the full price earlier, your purchase can be fulfilled sooner by your merchant.

The easiest way is to cancel the current transaction and re-create a new transaction.

Yes, you may pay the deposit instore, and the subsequent payments may be made online through Layby Café.

We have various payment options; these include Instant EFT and Direct Deposit among others like Debt Order & BitCoin.

When making payments you must use the unique Layby Café Number as your reference, and not your merchant order Number.

No, with Layby Café you do not need to be FICA registered.

As soon as the full amount has been paid, Layby Café will transfer the funds into the Merchant’s account.

Merchant will then contact you, to arrange delivery or collection as per terms agreed.

  1. Login  into www.LaybyCafé.com
  2. Click on the where to shop tab
  3. The merchants are listed by categories.

These are the simple steps to reset your password:

Login into www.LaybyCafé.com

Type in your Email address and then click on reset Password

From there, you should receive an email which allows you 24 hours to change your password

When you receive the Email, you click on confirm code

Then enter your new password

We offer a 24/7 help desk to assist consumers and merchants should they encounter any difficulties while transacting.

We understand that customers may need assistance from time to time, therefore we offer premium level online support.

Please contact us via email on [email protected] or call on 0105970879

Please check that you correctly used your unique Layby Café number, as the reference?

If not, our systems may not pick it up immediately.

So if you advise us timeously, we will be able to remedy it promptly.

Once you create a layby via the Layby Café payment option, you are given 1 day to pay your deposit, after which the transaction is automatically cancelled.

Most definitely.

All information is protected by cloud servers, with state of the art malware precautions.

  1. Login into www.LaybyCafé.com
  2. Go to your Dashboard
  3. Your transactions and outstanding balances will be displayed.
  4. You also receive regular email reminders for outstanding balances.

Upon full payment, it is the contractual obligation of participating merchants to provide consumers their goods and services as per expectation, or be refunded. All transactions are governed by the provisions of the CPA.

To leverage SOON for the benefit of consumers.

For Merchants

A layby sale is one where goods or services are paid for over time, and their ownership is transferred only once the full purchase price is made.

Further, when consumers know what they want, and they know when they’ll need these items, then securing the best deals now make the most sense.

This, together with the positive anticipation of acquiring these items soon, all make layby the smartest way to sell.

When consumers begin to secure your best deals now, for items they require for a future SOON event, merchants benefit in the following ways:

Expand your window of marketing to these consumers

Secure future sales on layby, earlier.

Boost trade online and in-store.

All SOON campaign items secured on Layby Café,  are considered firm orders.

Now you have the mechanism and opportunity to test and push market adoption of new products.

Benefit from the marketing, supply chain and resource optimization by virtue of these early layby buying signals and firm orders.

Note that, by focusing on future sales, merchants  increase their chances of securing a larger portion of the consumer’s expendable income.

Besides the firm order commitment on SOON Campaign items,  consider the following on regular layby transactions:

The average layby cancellation ratio is around say 20%.

That means that around 80% of layby’s result in a successful sale.

If a consumer has R5 000 immediately available in either cash or credit, and merchants are focussed purely on instant sales, then each merchant is competing with, literally, every single item from every single merchant out there, for a portion of the R5 000.

However, by focusing on future sales, smart merchants only need to convince a consumer to commit R500 towards a R5 000 layby with them, to ensure an 80% chance of closing a R5 000 sale with them.

To ensure a win-win situation, for both consumers and merchants, Layby Café  is that trusted third party, that connects the entire industry, and removes all the risks and limitations of traditional instalment payment methods, and that enables consumers and merchants to safely transact, on a mutually beneficial basis.

 

  • Quick and simple online registration and integration.

    Ensures instant access to a vast network of smart consumers.

    Enables merchants to expand their window of marketing, and secure future sales now!

    Provides both online and in-store services, so that merchants can reach their customers through whichever channel they prefer.

    Eliminates risk on SOON Campaign items, by guaranteeing that these layby orders are firm orders.

    Completely automates payment processing, and follows up on outstanding payments.

    Allows merchants to track their layby orders and outstanding balances, in real time.

    Set minimum and maximum layby terms and cancellation protocol, as per each merchant’s trading rules.

    Automatically and instantly refunds cancellations, in accordance with the CPA.

    Delivers rich customer and transaction data, so merchants can plan accordingly.

Layby Café aims to become the standard / market leader in the layby transaction industry, much in the same way as VISA has become the standard / market leader in the credit transaction industry.

Yes, it does.

In addition it also attracts a whole new market segment which we refer to as the “soon market” i.e. anyone who sees the value in securing their future product/service now, and paying it off in the smartest possible way through the Layby Café system, and gaining access to these items in time for a specific future (soon) event.

A SOON Campaign order is considered a firm order, provided that you honour the best deal for that item for the duration of the layby.

T&C’s available on www.laybycafe.com

We do not require one, due to the nature of our business, and that the accrued funds are held with Old Mutual who are an internationally recognised financial institution.

Further, Layby Café has the necessary cover and protections in place to safe-guard all parties.

Yes, 100%.

Funds are securely held in trust by Old Mutual to safe-guard all parties to a transaction.

Layby Café have no competitors in the layby space, and serves a far greater purpose than a standard payment gateway.

Layby Café requires no credit vetting, charges no interest, and manages the entire layby process for all parties.

Our system is fully integrated, in that you can initiate a payment process through our payment gateway (on your Ecommerce store), with a simply plugin.

In addition, we offer a full turnkey solution that manages the full layby consumer journey for each transaction, on your behalf.

You can also merely add the Layby Café payment option, allowing your Layby Café consumers this choice, as they will want to manage all of their layby purchases from their Layby Café dashboard.

All the features of Layby Café are absolutely free for consumers to use, including making payments, checking balances and knowing that their funds are completely safe throughout the entire transaction.

We only charge a nominal fee to merchants for their completed transactions.

As receiving normal payments would have incurred transaction or banking fees themselves, this means that the entire service comes at no additional cost to the merchant whatsoever.

Merchant Fees
Description Fee
Setup Fee Free
Monthly Fee Free
Transaction Fee 5% (Volume discounts apply as per T&C’s and available on request)
POS Integration Project Specific

 

A transaction fee at the end of each successfully completed Layby, is the primary source of income.

The merchant sets the rules and typically offer 3, 6, 9 or 12 months terms depending on the nature of the items

Yes, the merchants decides on his trading rules

You need to set them aside within your store/warehouse, or plan your stock accordingly so that you will have the specified product available at the end of the Layby period.

Yes, we have fulfilment and delivery partners, who offer very competitive rates. Please enquire on www.laybycafe.com

Credit and Financial Services:

Layby Cafe offers the opportunity to evaluate consumers over a period of time with a specific focus on how well they complete payments on a voluntary, monthly basis.

 

Our consumer data and rich analytics means you can select the top paying consumers to move them into a credit account. You can also use our system to rehabilitate consumers that have had payment issues before, and can move them to and from Layby Cafe as required.

 

In addition to that, you will know what products consumers have on Layby and what consumers INTEND to buy in the future. If the applicable product is something that you could offer an extended warranty or insurance on, you can start marketing that directly to the consumer, before they even purchase the product.

 

Cellular Merchants:

Layby, from our experience, is ideal for the cellular market as these are usually high value but generic items. This means that cellular merchants do not have to keep that specific phone in stock for the period of the Layby. You can also use the Layby product info to market specific and additional cellular accessories to those customers. In addition to just selling phones outright on Layby, you can once again use our unique and rich data to decide which pay-as-you-go customers would become ideal contract customers over time.

 

Customer Loyalty:

Instead of just giving regular discounts, you can give customers “cash back” in their Layby Cafe wallet, which can be used towards a next purchase. In this way you will be able to give consumers a bigger discount while ensuring a future purchase.

 

Business Intelligence:

Layby Cafe offers unprecedented consumer data across various industries and products. Due to the nature of our business, we know not only the values of consumer purchases and how well they are paid off, we also know, depending on the contractual arrangement with each merchant, exactly WHAT people buy. We can analyze purchasing and payment behavior in more depth than almost any other system out there. This information, reworked to represent trends and behaviors rather than personal information, can be looped back into any merchants’ systems, to bring an extra layer of understanding to your business intelligence.

 

Additional Value:

Merchants that may already offer their own Layby services can use Layby Café to supplement and not replace your current Layby system, to ensure maximum consumer choice and Layby conversion rates.

 

 

Additional information on this is available on request, together with an understanding of the ease of implementation and the highly competitive pricing structure that will bring you to the unavoidable conclusion that Layby Café is a ‘must-have’ for merchants.

 

With regard to our ‘SOON’ market focus, we have new additional functionality in development.

 

It is the ability for a customer to walk into relevant merchants and simply scan the barcode of the fridge/shelve (for example) with their Layby Café QR Code APP, then walk out without any interpersonal interaction (if that is what they choose to do). The customer is then able to make the deposit and subsequent payments through their Layby Café dashboard, via any payment method desired.

 

 

This is designed to appeal to those who traditionally may have felt uncomfortable asking merchants to layby an item. We have dignified the entire experience for the SOON market, thereby further opening up the market accordingly.

Now that you with Layby Café you can focus on what really matters. Sales!!! Layby Café takes care of all that time-consuming process and procedures, calls, call backs and reminders.

 

Plus, now there are so many more consumers that are now aware that you do Layby brought to you through Layby Café.

Layby Café has the potential to bring the traditional layby market valued at R32b and the SOON market, valued at R150b and growing exponentially.

At Layby Café we know that one size doesn’t fit all. Our team of developers have learnt how to make Layby Café flexible and work with also any systems and/or processes.

The list is growing every day and with huge variety. Please visit https://laybycafe.com/our-merchants/ you will find all our partners links to their stores.

Layby Café will always notify you of any payments due, either through email or SMS, but you can also login into your merchant account to view the status of all transactions.

In the process of securing our fidelity policy.

According the provision of the CPA, a merchant is only allowed to charge 1% on cancellations of laybys, but Layby Café does not penalise consumers.

Each merchant’s experience increased sales differently, and can range from 5% to 50% depending on circumstances. The SOON market is the main attraction, simply because it IS the smartest way to buy now.

Contact us via email on [email protected] or call on 0105970879

 

We will come to you. If you are in a remote location, we can very effectively take you through a demo on skype or zoom call

The Layby Café experience is seamless and easy, from registration to integration through to transacting. However, we are available to help any issues you may experience that may not be answered in the FAQ’s

We don’t have any at present but with growing interest they are sure to follow

 

Make sure you are subscribed to our newsletter so as to not miss out.

Layby, from our experience, is ideal for the cellular market as these are usually high value but generic items.

This means that cellular merchants do not have to keep that specific phone in stock for the period of the Layby.

You can also use the Layby product info to market specific and additional cellular accessories to those customers.

In addition to just selling phones outright on Layby, you can once again use our unique and rich data to decide which pay-as-you-go customers would become ideal contract customers over time.

Instead of just giving regular discounts, you can give customers “cash back” in their Layby Cafe wallet, which can be used towards a next purchase.

In this way you will be able to give consumers a bigger discount while ensuring a future purchase.

Layby Cafe offers unprecedented consumer data across various industries and products.

Due to the nature of our business, we know not only the values of consumer purchases and how well they are paid off, we also know, depending on the contractual arrangement with each merchant, exactly what people buy.

We can analyze purchasing and payment behavior in more depth than almost any other system out there.

This information, reworked to represent trends and behaviors rather than personal information, can be looped back into any merchants’ systems, to bring an extra layer of understanding to your business intelligence.

 

Merchants that may already offer their own Layby services can use Layby Café to supplement and not replace your current Layby system, to ensure maximum consumer choice and Layby conversion rates.

 

Additional information on this is available on request, together with an understanding of the ease of implementation and the highly competitive pricing structure that will bring you to the unavoidable conclusion that Layby Café is a ‘must-have’ for merchants.