PayVaylt is a digital lay-by platform that lets customers secure items today and finish paying at their own pace, within a term they choose up to 12 months.
Active lay-bys
3
Secured cart value
R 9 900
Voucher balance
R 3 300
Run checkout demo
Open access screen
Active lay-bys
3
1 on track, 1 awaiting payment, 1 under review
Secured cart value
R 9 900
Reserved with partner merchants
Voucher balance
R 3 300
Store-specific vouchers with no expiry
Verification status
100%
5 of 5 onboarding checks completed
Quick actions
Built for customers and merchants
Create lay-by plan
Choose deposit, frequency, and term from 1 to 12 months for a secured cart.
Upload FICA docs
Submit ID, proof of address, and verification answers to unlock full access.
Buy store voucher
Purchase non-expiring vendor vouchers for future lay-bys or replacement items.
Review merchant notice
See discontinued-item alerts and choose an alternative, voucher, or refund path.
Featured plan
Defy 8kg Front Loader Washing Machine
Russells · 6 months · R 700 monthly
On track
Deposit paid
R 1 500
Remaining
R 4 200
Next payment
25 Apr 2026
How PayVaylt works
LayUp clarity, banking polish
Merchant checkout redirect
The customer selects PayVaylt from a vendor checkout and is redirected into a secure PayVaylt session.
Register and verify
New customers sign up, answer verification questions, submit FICA details, and complete identity checks.
Choose a payment pace
The customer sets a deposit, payment frequency, and completion term that suits their cash flow, up to 12 months.
Track and complete
PayVaylt tracks instalments, reminders, vouchers, and merchant notices until the item is released.
Support feed
Live workspace notices
Verification reminder
Upload a clearer proof-of-address document to unlock full dashboard access.
Merchant notice
Your Exact school uniform bundle has a replacement option available in the same store.
Voucher ready
Your Russells store voucher is available to be applied to a new lay-by immediately.