For years I've worked in and with ecommerce businesses, and I kept seeing the exact same thing happen thousands of times a day. Customers would spend twenty minutes browsing a store, carefully build a cart, reach checkout, and then simply disappear. It wasn't because they didn't want the product - it was because they couldn't justify paying the full amount that day. The merchant had two choices, lose the sale or push the customer towards a buy-now-pay-later product that often relied on credit and significant merchant fees. At the same time, I knew firsthand that we had people asking every day for traditional layby, but in reality, it was simply too difficult to manage manually. That was the turning point. I realised nobody had modernised layby for ecommerce, at least not well. Customers wanted a responsible way to budget without taking on debt, and merchants wanted a simple way to recover abandoned carts without adding administration or complexity. Flexilay was created to bridge that gap, combining the trust of traditional layby with the automation and convenience expected from a modern payments app.

Flexilay Layby & Payment Scheduling

Modern LayBy & Flexible Payments for Growing Businesses

Modern LayBy & Flexible Payments for Growing Businesses