Payments are automatically deducted from your bank account on your chosen instalment date. We will send you an email reminder, and push notification (if you have these enabled), the day before your payment is due.

If you would like to make a payment early, you can do this by selecting the “Pay Now” button next to your payment. You can choose to make the payment with a card already linked to your account, or add a new card to your account. Please note: if you add a new card, and want your future payments to be automatically deducted from this card - make sure to make this your default card.

If for any reason your payment fails, we will send you an email to let you know so you can manually pay the instalment before a late fee is applied. If an instalment is overdue for 24 hours, a late fee will automatically be applied. If the instalment remains overdue for a further 7 days, a second late fee will be applied.

At this stage, we can only accept payments from Visa or Mastercard debit or credit cards that were issued by a bank in your country of residence. We are not able to accept foreign-issued cards for overseas banks, prepaid cards or bank transfers. If the card on your account is expired or has been cancelled, please log into your Laybuy account and navigate to the “Saved Cards” section. Here you can add a new card to your account, or edit the details of an existing card.