LAYAWAY

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Bridging the sales gap between brands and the mass consumer market

A web-based platform that the mass consumer market uses to plan, save, and build their financial profiles to buy products on terms that are most convenient for them

Let's Collaborate

Welcome to Layaway!

LAYAWAY️ empowers businesses to scale and grow their customer base by providing the mass consumer market with a new way to plan, save, acquire assets, achieve goals, and build a financial profile without the fear of penalties or the pressure of minimum monthly payments.

 

Our web-based platform enables you to access rich data and insights on consumer behaviour and predictive purchasing patterns and enables the “credit invisible” to develop their financial profiles to access full or partial credit to buy your products and services.

LAYAWAY will ENGAGE, enable, and EMPOWER your business.

A collaborative, mutually-beneficial partnership with us will help you…

Expand your reach by providing a new way for customers to access your products or services.

Supercharge your sales by driving customer convenience to an under-serviced market.

Save money through intentional and targeted marketing.

Platform Overview

Who is LAYAWAY’s user market?

LAYAWAY equips previously unseen or cost-conscious consumers to buy products and services that improve their lives on terms that suit them, without unnecessary risk and cost. Consumers can digitally save for significant life occasions like Christmas, birthdays, weddings, baby showers, and back-to-school and also have the ability to start a group saving pocket for shared financial goals where family and friends can save and buy together.

How does LAYAWAY work?

Consumers plan and save for specific products, services, or life occasions on their own or create group savings goals with family and friends to acquire products or enjoy special events like vacations, parties, and other memorable experiences.

 

When a consumer reaches their savings goal, they are issued a 12-digit LAYAWAY Voucher PIN to pay at checkout on your e-commerce platform. We have multiple integration options, either direct (API) to your platform or via your e-commerce or payment gateway provider.

No risk, high reward

Consumers have no risk as payments are made conveniently and according to their affordability. The credit shy, unworthy, and invisible can build their financial profile to access credit to purchase products. By working together with your market via our platform, you can:

Reach the broader mass consumer market looking to acquire your products conveniently on their terms.

Participate in responsible savings methods for consumers to purchase your products and services.

Focus your advertising efforts at a ready-to-buy consumer.

Engage with ready-to-buy consumers and reward them, thereby driving loyalty and advocacy.

Eliminate the need to hold stock to service the lay-by market.

Minimise cash handling in-store by migrating cash consumers to online purchases.

Leverage an alternative scorecard method to qualify consumers for credit.

Capture credit declined and lay-by consumers who do not immediately qualify for a purchase.

Access consumer behaviour data and insights for the product category.

Pay only on success.

Who is LAYAWAY’s user market?

LAYAWAY equips previously unseen or cost-conscious consumers to buy products and services that improve their lives on terms that suit them, without unnecessary risk and cost. Consumers can digitally save for significant life occasions like Christmas, birthdays, weddings, baby showers, and back-to-school and also have the ability to start a group saving pocket for shared financial goals where family and friends can save and buy together.

Open up your business to the mass market.

The LAYAWAY platform is a proud part of CliqueFin’s integrated, ubiquitous network of 2 million+ consumers, growing at a rate of +3,000 users every day. CliqueFin’s products are available via 150,000+ stores across the country, accessing over 30 million people.

Open up your business to the mass market.

The LAYAWAY platform is a proud part of CliqueFin’s integrated, ubiquitous network of 1.8 million consumers, growing at a rate of 2,400 every day. CliqueFin’s products are available at 140,000 stores across the country, accessing over 30 million people.

CliqueFin—an investment company moving at the speed of life

CliqueFin builds and invests in social impact platforms and businesses to financially empower communities. Its evolving collection of innovative platforms and strategic collaborations are geared toward including the mass market in the digital economy.

The company harnesses its technology, rich consumer insights, and ubiquitous network to digitise key life occasions, creating access to payment, financial planning, investment, as well as communication solutions, and other business-to-business products to drive financial inclusion.

Payment Methods

Our current payment methods include Visa, Mastercard, Instant EFT, and OTT Voucher. We’re constantly growing this space to ensure ease of access for our customers and yours.

Payment Gateway and Ecommerce Provider Plugin Integration

We will provide the necessary plugin and technical integration instructions for integration that will enable a customer to enter a 12-digit PIN from their LAYAWAY Voucher to pay at checkout on your e-commerce platform.
We have integrated with WooCommerce.
Our integrations with Magento (now Adobe Commerce) and Shopify are in development

Let’s get down to business!

Contact us.