Having a layaway option to offer your customers, such as PAY-D-LAY, is a great way to increase your retail sales, and create customer loyalty. Customers like purchasing on layaway and will typically buy more in volume, and more expensive items that they wouldn't normally do on impulse. Adding layaway to your business model will expand your sales, we guarantee it!

If you are opting to offer PAY-D-LAY to your customers on a pay as you go basis, then there is no sign up for the retailer or the customer. Feel free to just use our layaway platform as needed. There are no sign up or approval requirements required. Retailers pay nothing for this service.

There is much information on how to use PAY-D-LAY for both the retailer and customer, through out our website. The step by step tutorial video for retailers, found on the Retailers Page, is a very helpful tool on how to use our platform for your layaway sales. Our layaway platform is user friendly, and very easy to use.

The retailer is the one who typically inputs the information of the layaway sale into the layaway agreement. The contents of the layaway agreement should be agreed upon beforehand, by both the retailer and customer, before entry. Customers do not set up their own layaway agreement, unless agreed upon by the retailer.

Yes, the customer almost always pays a deposit, we recommend collecting a deposit of 25% to 33%. The higher the deposit the customer pays, the lower their 4 installment payments will be.

The customer can pay their installment payments in many ways. Most frequently the customer pays directly to the retail store in person. Payments can also be made by online by a variety of payment processors, again directly to the retailer. The layaway agreement has payment options that the customer can use. Remember all payments go to the retailer directly, and never to PAY-D-LAY. 

No, there is never any commissions or fees that the retailer will have to pay to PAY-D-LAY.  All deposits and net installment payments are the retailers to keep completely for themselves. 

We recommend that the retailer reaches out to the customer before the payment is due as a reminder to make payment. There are late payment fees that the retailer can charge as per the "Terms & Conditions", for any late payments, but we suggest working with the customer to solve any late payment issues, to avoid such charges. 

The retailer can handle any cancellations in a variety of ways. As per the "Terms & Conditions" agreed upon. The retailer can charge the customer cancellation fees, restocking fees, and keep any deposits paid by the customer. Hopefully these charges can deter the customer from cancelling the layaway agreement. Cancellations are normally very low, but could happen on occassions. We recommend giving the customer options to complete their layaway purchase to avoid any cancellations and potential additional charges.

Every customer is approved regardless of their personal credit score. Even recent bankruptcies have no bearing on the qualification on entering into a layaway agreement.  Everybody is prequalified regardless of their credit score, payment history, or bankruptcies on their credit report. 

No, Never. PAY-D-LAY does not require the customers social security number or date of birth to qualify for a layaway purchase. Credit worthiness is not a qualification for layaway plans. We do not check the customers credit at all. 

The retailer does not pay anything to use the PAY-D-LAY platform. It is totally free for the retailer to use. We additionally do not charge any set up fees to the retailer. PAY-D-LAY additionally does not charge the customer to access our layaway platform as well.

Yes, the retailer can approve or not approve any merchandise that is eligible to be purchased on layaway. Retailers can deny items that they do not wish to be purchased on layaway. Items that are eligible for layaway purchase is always up to the retailer, not the customer.

We have a nice variety of printable flyers to display at your store, and downloadable images that you can post on your stores website, or social media sites. These flyers and images can be found on the Retailers page of our website. Of course the best advertisement, is to mention to your customers personally that you offer layaway through the PAY-D-LAY platform. 

PAY-D-LAY does not share any customers information to any third party members. We do not share or sell any customers personal information. The fact that we do not ask for any personally sensitive information, your customers can be assured that their imputted information is safe with us. PAY-D-LAY will never ask for customers social security number or date of birth. We do not conduct credit checks , thus there is no reason to request this information.

Yes most definitely! Online sellers can be paid through payment apps, like PayPal or CashApp, and deliver or send the purchased merchandise to the customer when paid in full. Our system actually works very well with online retailers and sellers of any size.

No there is no need for potential customers to have active checking, savings, or credit card accounts. Since PAY-D-LAY does not automatically withdrawl installment payments, there is no requirement to have checking, savings, or any credit card accounts. 

Every PAY-D-LAY layaway transaction can have a license key attached to the order. The license key secures the transaction as being unique, and is easily identifiable to that particular customer and layaway transaction. Every license key is unique to its own, and duplicate license key transactions are immediately identified as such.

Some customers might not have an email address, and if they don't it's an easy solution. A lot of retailers either make a separate email just for PAY-D-LAY use, (which we recommend), or use their own email. The license key will go directly to the retailers email instead of the customers, which is an easier and faster process for the retailer. The layaway agreement will also go directly to the retailers email, which can be easily printed out and handed to the customer. Some retailers use this practice regardless if the customer has an email or not.

No we do not. PAY-D-LAY does not report payments, good or bad, to any of the credit agencies. Transactions are strictly between the retailer and the customer, PAY-D-LAY or any other third party does not get involved in any of the layaway agreements.