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The first step in the layaway process is to purchase PAY-D-LAY to access the platform. It is a flat $5.95 no matter how much your layaway purchase is. Make sure that your retailer accepts layaway purchases. After your purchase of PAY-D-LAY Layaway Today! you will be emailed a license key. Please keep your license key secure, as your retailer will need it to complete the layaway agreement, which is the next step in the layaway process.