With LayPay, businesses can offer customers flexible payment options, such as pay by the week/month/qtr, increasing the likelihood of purchase. By enabling LayPay across various customer communication channels, businesses can empower customers to pay responsibly anytime, anywhere. LayPay also allows merchants to receive payments from users on mobile devices, while customers can use the LayPay app and website to control how they want to pay, breaking big bills into smaller, more manageable chunks.