FlexiLay Layby & Payment Scheduling

Flexilay is a modern layby platform that helps ecommerce merchants increase sales by offering customers a flexible way to pay over time—without credit, lending or the complexity of traditional Buy Now Pay Later services. Customers can choose a deposit, payment frequency and schedule that suits their budget, then make payments through Stripe until their purchase is fully paid. Once the payment plan is complete, the merchant fulfils the order. This provides a responsible, debt-free alternative that helps shoppers budget while giving merchants another way to convert customers who may not purchase upfront. Unlike BNPL providers, Flexilay does not provide finance, perform credit checks or assume lending risk. We integrate with existing payment infrastructure, allowing merchants to retain ownership of their customer relationships while continuing to receive secure payment processing through Stripe. Our platform is built for modern ecommerce, starting with Shopify and expanding to WooCommerce and other leading commerce platforms. Merchants can configure deposits, payment frequencies, plan lengths and business rules, while customers enjoy a seamless checkout experience, automated payment reminders and a self-service payment portal. Our business model is simple and scalable: merchants continue using their existing payment provider, while Flexilay earns a small transaction fee for managing the payment plan. Our vision is to become the global standard for digital layby, giving millions of merchants an affordable, easy-to-integrate flexible payment solution that complements existing checkout options and helps consumers purchase more responsibly.