The layby system you've always run on paper — now on your customers' phones, in your shop's brand, without the spreadsheets, lost receipts, and "how much do I still owe" arguments.
The customer who walks out today saying "I'll save up and come back" rarely comes back. Layby captures that sale right now — with a deposit, in your shop, before they drift to a competitor with a payment plan.
Every "I can't afford it today" becomes "I can afford $46 a week." Walkouts turn into deposits. The math the customer does shifts in your favour — and you book the sale at full price, today.
When the price reframes from $549 to $46/week, customers reach further up the shelf. The bigger fridge, the better couch, the model they actually wanted. Average ticket size goes up — not down.
Every completed layby is a customer who already trusts you. The next purchase — the microwave, the second TV, the friend they refer — comes straight back to you instead of the competitor next door.
If you offer laybys today and you're still tracking them in a notebook, in Excel, or in WhatsApp threads, you're losing money to disputes, defaults, and admin time you can't bill for.
A customer asks. You promise to check. Two days later you forget. They give up and ask again. By the third time they're annoyed, and you've spent 20 minutes on a $5 transaction.
EcoCash confirmation goes missing. Customer swears they paid. You have no record. Either you lose the money or you lose the customer. There's no third option.
By the time a layby is 90 days overdue, it's too late. No automated reminders means customers drift away and your stock sits reserved against nothing.
No infrastructure to set up. No training videos. Your staff already know how laybys work — we just give them the tools.
From their phone — your branded apply page. They pick products from your catalogue, choose how long to pay, sign with their name. You get a notification.
One click. Stock gets reserved. Customer gets a WhatsApp confirmation with your bank/EcoCash details and reference code. Deposit activates the layby.
Customers see their balance live on their phone. Reminders go out before every due date. You record payments in the admin — receipt PDFs sent automatically.
When fully paid, the system marks ready for collection. Customer arrives, you confirm, item is gone from stock. Statement of account auto-generated.
A small monthly plan for the platform, plus a per-layby commission that drops as your volume rises (1.5–3%). No setup fee — and your customers always pay you directly.
Customers pay you directly (EcoCash, bank, cash — your existing channels). We never touch the money. You pay a small monthly subscription for the platform, plus the per-layby commission on completed layby revenue — invoiced once a month. Pick the plan that fits; the more you do, the lower your commission rate.
ZimLayby is built on a real working layby business — not a pitch deck. Same codebase, isolated data, separate branding. Yours would look exactly like yours.
Only in tiny "Powered by ZimLayby" text at the very bottom. The customer portal, the receipts, the WhatsApp messages — all use your brand. Your shop name, your logo, your colours. The customer never feels like they're on a 3rd-party platform.
Your customer list, layby records, and payment history are yours. On termination we export everything as CSV and hand it over. We never sell data, we never share it with other merchants, and we keep nothing that's tied to your shop after you leave.
Yes — but we help. You give us a CSV (or a list, or even photos with prices) and we set up your catalogue. After that you add new stock yourself from the admin in under a minute per item.
The system flags them at 7 / 14 / 30 days overdue and chases via WhatsApp. After your default window (you set it — 60 or 90 days standard), the system lets you formally cancel, with a clear refund-or-forfeit decision based on the policy you set. Your stock gets released back into available inventory automatically.
Yes — bulk-discount any number of products, cap how many customers can grab the deal, set an end date. Used in production for everything from "20% off air fryers" to "first 50 customers get free delivery".
Yes — a simple merchant agreement covering commission, brand use, data, and termination. Plain English, 2 pages. Either party can end with 30 days' notice, no penalty.
I'll walk you through Appliance & Home's live setup, answer everything, and you'll know by the end of the call whether ZimLayby fits your shop. No slides, no fluff.
📲 Book a 15-min demo on WhatsApp