Powered by Adobe Commerce 2.4.5

This extension is in our Payment category. Please remember that it is the merchant’s responsibility to ensure the proper PCI compliance level of their store, as applicable by PCI regulations. The PCI Self-Assessment is one tool you can use when evaluating Payment extensions and how they may affect your PCI compliance level. For more information on Marketplace policies, please review the Marketplace Terms & Conditions.

LayUp Digital Layby Solution

This is an Integration with a Third Party Service. Other charges and fees may be required to use this extension on your Store


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 LayUp is an alternative payment platform that increases sales and basket size by enabling your customers to lay-by/layaway items with interest-free installment plans. With LayUp’s module, you can allow buyers to pay in installments for products or services that suit your business rules. Through the configuration settings, you simply define your business rules through two separate settings; the deposit down payment percentage and the final payment date as to when you want your customer to have paid up by. Our extension includes a payment widget, which will be enabled as a payment option in your checkout. Once a customer selects “Pay it off with LayUp” as their payment option, they are redirected to our secure checkout, after which they are taken back to your store to view their purchase details. The extension also includes a widget that displays a dynamic installment amount on your product and cart pages, which is proven to increase conversions and basket size. Once your customer has chosen the “Pay it off with LayUp” payment option, they will be directed to a customized payment widget page where they are able to toggle between weekly or monthly installments. They can also select the day of the week or month they will like to be billed on throughout the payment plan period as well as their being total transparency and clarity of what the future installments are going to be. When your customer is ready to activate their payment plan, they can choose between paying via credit/ debit card or instant EFT. After the customer has successfully gone through 3D secure process and verified themselves they will be redirected back to your store to view their purchase details and the order will be put into a “placed” state. If the customer is declined for whatever reason, the item will be put back in-stock to be sold in the future. 

LayUp is ideal for merchants that already cater for lay-by/layaway in-store and are now moving onto the online space as well as merchants that target younger consumers who typically don’t have access to credit or choose not to use credit by are actively online. LayUp is able to accept payments up to any size and will convert sales that previously would have been lost due to customers not having the full amount upfront or due to the fact they are locked out of the economy due to a low credit rating. 

Account & Pricing

You must create a LayUp Merchant Account before you will be able to accept LayBy/Layaway payments with LayUp. Although the extension is free to install, LayUp does charge a per transaction fee per payment plan created of 5% (ex. VAT). This includes all online processing fees. Please email support@layup.co.za or call +2784 094 5555 to get onboarded as a merchant. Click here to sign up for your LayUp Merchant Account.


  • Create installment plans to offer lay-by/layaway for your customers
  • Configure payment plan on a per product bases ie: deposit % and final payment date 
  • Add payment plan widget example in product & cart pages 
  • Customers can view their LayUp purchases in the account section or their personalized LayUp Dashboard
  • Live and Sandbox environment support.
  • Capturing and refund handled and processed by layUp.
  • Support for payment authorizations, capture and refunds.
  • LayUp widget support.
  • Industry-leading data security and PCI-compliant payments.
  • Quick pay and easy installments.
  • Log tracking for debugging purpose.


  • Increasing sales. We're currently providing a 25% increase in incremental sales and a 55% lift in average order values.
  • Improve Lay-by completion rates: 60% increase in completion rates using LayUp automated recurring payment technology.
  • Reduce administration costs: LayUp handles the end to end communication with customers payment plan. 
  • Improve customer experience: LayUp improves the customer experience through a digitized, ease to use system. 

How It Works


  • Select LayUp payment method during checkout.
  • Simply choose what you want and create a LayUp account.
  • Select LayUp payment method during checkout.


  • Choose your payment terms.
  • Activate your payment plan with a small deposit and break down the total cost into more affordable monthly payments that fit your budget.

Pay Over Time

  • Get automated notifications.
  • Make payments anytime, anywhere through a personalized dashboard. Get timely notifications to stay on track and complete your payment plan on time.


The LayUp module for Magento uses our advanced widget to handle and capture all user credit / debit card data. This prevents any of this data from ever touching your servers.

The PCI guidelines outline that if you have outsourced your sensitive cardholder data handling functions then you will be able to qualify for a self-assessment questionnaire (SAQ). Using the SAQ you can then apply for a PCI certificate for your store.

Peach Payments ensures that you qualify for this SAQ and that you are not exposed to any cardholder data at any time.

LayUp uses Peach Payments’ transaction platform is PCI DSS Level 1 certified which is the highest level of data protection. Your customers' financial data is secured according to these PCI standards.

Technical Specifications

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Seller profile

LayUp Technologies

Seller contact



Online Payment Plan Solution

Current Version


Adobe Commerce platform compatibility

Open Source (CE): 2.3 (current), 2.4 (current)

Commerce on prem (EE): 2.3 (current), 2.4 (current)

Commerce on Cloud (ECE): 2.3 (current), 2.4 (current)


Stable Build


16 March, 2022


Extensions, Payments & Security, Payment Integration


User Guides

License Type

Open Software License 3.0 (OSL-3.0)


Privacy Policy

Quality Report

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Installation & Varnish Tests


Coding Standard


Plagiarism Check


Malware Check


Marketing Review


Manual Testing


All tests were conducted on the latest versions of Adobe Commerce that existed for the compatible release lines at the moment of the extension submission. Latest versions of all other software were used, as applicable.

Release Notes

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  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    * Changed payment plan preview to display differently when first instalment is the product deposit type
    * Added product specific deposit type, deposit amount and min and max months
    * Added the ability for merchants to construct there own Layup preview text in settings


  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    * Added expired orders to the cron job


  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    *Fixed shipping tax not being included in final price


  • Compatible with Open Source (CE) : 2.3 2.4
  • Compatible with Commerce on prem (EE) : 2.3 2.4
  • Compatible with Commerce on Cloud (ECE) : 2.3 2.4
  • Stability: Stable Build
  • Description:

    Added support for Magento 2.4


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The best place to start if you need help with a specific extension is to contact the developer. All Adobe Commerce developers have both a contact email and a support email listed.

Contact Vendor

Q & A

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