Laybuy
EcosystemBNPL platform focused on the UK, New Zealand, and Australian markets, offering pay-in-6 weekly installments with instant merchant settlement.
Laybuy is a UCP payment handler, enabling secure payment processing for UCP transactions.
Laybuy is a buy now pay later platform operating in the UK, New Zealand, and Australia. Consumers split purchases into six equal weekly payments. Laybuy pays merchants the full order amount at the time of purchase and manages installment collection from the consumer. The six-payment model differentiates Laybuy from pay-in-4 competitors by spreading repayment over a longer window.
Laybuy integrates with Shopify, WooCommerce, Magento, and other major e-commerce platforms. It is used by fashion retailers, sporting goods stores, and home goods merchants in its core markets. Merchants use Laybuy to increase conversion among consumers who want to spread cost over time without high-interest financing.
Laybuy has not announced UCP integration. Its merchant API handles order creation, refunds, and status checks. For agents shopping on Laybuy-enabled merchants in the UK, NZ, or AU, selecting Laybuy at checkout triggers a session that the consumer confirms in the Laybuy app or via SMS verification.
Why This Matters for UCP
Laybuy provides BNPL checkout infrastructure for UK, NZ, and Australian e-commerce, enabling agents to select installment payment options on merchants in those markets without requiring consumer credit cards.
UCP Capabilities
UCP Endpoint
Ecosystem — Endpoint not yet publicly available
Integration Example
// Laybuy REST API for order management and refund processing.
// Agents interact with orders after checkout is complete.
// Retrieve an order by token
const order = await fetch('https://api.laybuy.com/order/' + orderToken, {
headers: {
Authorization: 'Basic ' + Buffer.from(
process.env.LAYBUY_MERCHANT_ID + ':' + process.env.LAYBUY_API_KEY
).toString('base64'),
},
}).then(r => r.json());
// Process a full refund for an order
const refund = await fetch('https://api.laybuy.com/order/refund', {
method: 'POST',
headers: {
'Content-Type': 'application/json',
Authorization: 'Basic ' + Buffer.from(
process.env.LAYBUY_MERCHANT_ID + ':' + process.env.LAYBUY_API_KEY
).toString('base64'),
},
body: JSON.stringify({ orderId: order.orderId, amount: order.amount }),
}).then(r => r.json());
console.log('Refund status:', refund.result);Category
Payment HandlersUCP Status
EcosystemTags
Pricing
free
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Related Guides
Reviews
★★★★★4.7 (3 reviews)These are illustrative examples to show what reviews will look like. Submit your own experience below.
A. Kim
Fintech Developer · Jan 25, 2026
Used this to add UCP checkout support to our app. The spec compliance is exact — everything we tested against the conformance suite passed.
C. Russo
Payments Engineer · Mar 2, 2026
Payment token exchange is solid. We process UCP transactions across multiple merchants and have not hit any protocol-level issues in three months.
N. Bergman
Senior Backend Engineer · Feb 7, 2026
The UCP payment handling is correct. Latency is a bit higher than our non-UCP flows, but still within acceptable bounds for checkout.
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