Accept layby payments

Lay-by transactions processed - easily and securely!

Layby Cafe is a payment gateway for South African eCommerce & brick-and-mortar stores. We enable easy, secure and instant payment & collections of lay-by payments between buyers and sellers.



Why Layby Cafe?

  • No setup fees or monthly subscriptions

    Only a per-transaction fee is charged. Register in a matter of minutes and be ready to accept lay-by payments through Layby Cafe if you're an individual or a registered business.

  • Accept Instant EFT: bank payments that clear instantly

    Instant EFT enables buyers to make payments with traditional internet banking with SA's four biggest banks. The electronic funds transfer (EFT) gets verified instantly. No two day waiting period, no proof of payment required and no disclosing of financial information.

  • Easy to install

    Installation is very simple and straight to the point - start accepting payments in minutes.This is as we allow easy integrate into multiple shopping carts enabling merchants to start accepting online payments through Layby Cafe.

  • Real Time Transactions

    No late payments - all payment are direct and immediate into our account. We enable customers to transact online safely while ensuring that we can verify their transactions realtime.

  • Compatitble With All Banks

    Our system works with all major South African banks ensuring convenience for buyers. Which simply enables all customers to use our service without any restrictions as long as its a South African bank.

  • 24/7 Friendly Support

    We also offer a 24/7 help desk to assist buyers and merchant should they encounter any difficulties transacting. Understanding that customers may need assistance at anytime - we offer premium level online support.

What is Layby Cafe?

Layby Café is a layby processing service for South Africans and South African merchants. We enable easy, secure and automated layby management services between traditional and online buyers and sellers.

We allow any merchant to sell goods to their customers through layby, meaning that the customer makes a deposit, to secure the goods, then settles the balance, through installments, in a time specified by the merchant

With Layby Café your payments will be safe and secure. We’ll protect your transactions with our robust double firewall, SSL encryption, 3D Secure, and fraud detection.


We ensure that customers’ monthly instalments are reconciled in real time.


Interest free payment terms from 3 months to 12 months.


The seller and buyer can see transactions made to them or by them at any time.

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