Hero Landscape

Retail Express

Retail Layby Software & POS Payment Plans

Retail Express layby software helps fashion, furniture, jewellery, bedding and whitegoods retailers offer lay-by with minimum deposits, reserved stock, part payments at POS and balance reports that match Xero or MYOB.

Book a demo

Common pain points

Manual layby tracking creates stock and cash-flow risk

Reserved stock gets sold twice

Without a layby system tied to inventory, staff cannot see what is committed versus available. Popular lines get oversold and customers lose trust.

Part payments tracked in spreadsheets

When layby payment records live outside your POS, balances drift, staff chase the wrong totals, and finance cannot reconcile deposits against sales.

Accounting does not match the till

If layby movements do not sync to Xero or MYOB, month-end reconciliation becomes a manual hunt through invoices, refunds and termination fees.

Retail Express

How to choose the best POS system

Book a demo
Z01 Create Layby
Reserve · deposit · track

Create laybys at POS

Set fulfilment to Layby on sale lines, attach a customer, and take an initial deposit on the Payments tab. Minimum Amount Due is calculated automatically. Mix layby and cash-and-carry products in one transaction by setting fulfilment per product.

Book a demo →
Z02 Reserved Stock
Protected inventory

Stock reserved, not double-sold

When a layby is processed, Available stock decreases and reserved stock increases. Staff and reports see what is committed versus free to sell. Reserved quantities appear in inventory management alongside available stock.

Book a demo →
Z03 Part Payments
Flexible instalments

Deposits and part payments

Set minimum deposit rules in Order Settings as a fixed dollar value or percentage, with a separate threshold for special orders if you use them. Layby sales stay in Awaiting Payment until cleared. Staff look up the original invoice and record part payments until the sale is complete.

Book a demo →
Z04 Cancellation Refund
Structured exits

Cancellations, refunds and fees

Cancel laybys via POS Returns when customers change their mind or terms expire. Process refunds and optionally charge a termination fee product. Track deposits, refunds and fees in POS to support obligations under Australian Consumer Law lay-by rules and New Zealand Fair Trading Act requirements. Confirm terms with your legal adviser.

Book a demo →
Z05 Layby Reporting
Finance-ready balances

Layby reporting and accounting sync

Use the Layby Balances Report for point-in-time balances and the Layby Movement Report for period sales, payments, vouchers and freight. Opening and closing balances match your layby account in Xero or MYOB via retail accounting.

Book a demo →

Retail Layby Software & POS Payment Plans FAQ

Answers for retailers in Australia and New Zealand.

Manual tracking leads to overselling reserved stock and messy accounting. Built-in layby software in Retail Express automatically reserves inventory, calculates minimum deposits, and tracks part payments directly at the POS, ensuring your stock levels and accounting sync (like Xero or MYOB) are always accurate.

Staff create a layby sale at POS, collect a minimum deposit, and reserve stock. Customers return to make part payments until the balance is zero, then staff fulfil and finalise the sale. Payment and fulfilment status are tracked independently.

Processing a layby reduces Available stock and increases reserved stock. The product remains on hand but is reserved for that customer until fulfilled or cancelled.

Yes. Configure minimum deposit as a dollar value or percentage in Order Settings. A separate minimum can apply to special orders. POS security controls whether staff can override the minimum.

Lay-by is store-managed: you hold stock and collect instalments over time. BNPL providers finance the customer at checkout. Retail Express supports both. See buy now pay later at POS for Afterpay and Zip.

Retail Express uses the lay-by model built into its own POS and inventory system (often called layaway in other regions). It is not the Shopify POS layaway app. If you run Shopify online, customer and order data can still flow through your Retail Express platform alongside in-store layby workflows.

The Retail Express Layby Balances Report shows balances as at a specific date. The Layby Movement Report tracks sales, payments, vouchers and freight over a period. In accounting, "layby sales" includes any sale not fully paid and fulfilled same-day at the same store, not only POS layby fulfilment.

Yes. Historical lay-by transactions can be entered during implementation before go-live, with products, customers and payments loaded against enabled payment types.

Layby is included in your Retail Express subscription. Pricing depends on your overall platform setup. See our pricing page for details.

Book a demo

Offer lay-by without the admin headache

Professional layby software for AU & NZ retailers · book a demo

Book a demo