Cleargroup Holdings are proud to introduce South Africa’s very first electronic layby payment platform. The term layby means to pay for goods/services via regular instalments in advance before the product is received by the consumer. With the ever risings costs of living and the credit act clamping down on reckless lending in South Africa, our nation is looking for more financially disciplined options on our spending habits. elayby is assisting South Africa in joining the rest of the world by offering a secure and regulated layby option serving both online shopping or traditional retail stores. Customers can register for free and no credit checks are required. An application can be completed online or at any approved merchant store. Your customer can use the online elayby calculator to calculate a suitable payment plan or request assistance from an elayby consultant. Customers can also check their elayby balance online, via the elayby USSD code or SMS short code. Payments can be made at integrated payment facilities or online at A confirmation SMS will be sent for each payment. The merchant can adjust the payment schedule to the desired affordability of the consumer. Payments can be scheduled for weekly, fortnightly or monthly instalments. Once the customer has fully paid off the product, they will be notified by elayby to collect the product from the merchant. elayby will also notify the merchant on behalf of the consumer to prepare for the collection. Once the consumer has received the product, the merchant will add the collection PIN to the elayby system and the payment will be disburse to the merchant.