Lay-Buys Layaway Payments


PUT IT ON LAY-BUY (powered by PayPal) is a deferred "layaway" payment option that makes it easy to purchase desired goods. Simply make an initial 50% down payment... followed by a second/final 50% installment the following month. Upon final payment, your order will automatically ship within 1-2 business days.

COST: A one-time 1.9% Convenience Fee, based on your total purchase price. (Note: this fee is charged to you by Lay-Buy -- not Firecracker.)

CONVENIENCE + SECURITY: All Payments are automatically set up and processed by PayPal within their secure checkout environment, i.e. there's no need to set any "reminders" -- it's all taken care of for you.


Proceed to checkout as usual. On the "Payment Method" page, the following choices are available:

Choose put it on lay-buy payment option.

On the secure Lay-Buy webpage, you will see details of your initial down payment, as well as the date/amount of your second/final installment the following month.

When ready, click "PUT IT ON LAY-BUY" to enter PayPal.

Log In to your Paypal account -- or proceed as a guest -- and complete your transaction in PayPal’s secure checkout environment.

All payments are automatically processed by PayPal. All confirmation/invoice notices will be sent to your listed PayPal email address, and you may check your order status within your account or with your Order ID# at any time.

Contact us if you wish to move your final payment up to an earlier date.

After your second + final payment is processed by Paypal, your order will ship automatically. It's that simple -- absolutely no interest charges or additional fees!


Under the Firecracker/Lay-Buy agreement, customers are deemed to have agreed to the following terms:

• A non-refundable minimum deposit of 50% is required for payment when the Lay-Buy is set up. Cancellation of payment plan will result in a restocking fee equal to 100% of your deposit. In addition, customer is responsible for all Paypal processing fees incurred by Firecracker.
• Lay-Buys are on a One Month Term, however can be finalized earlier upon notice.
• Lay-Buys exceeding the one month period will result in cancellation of your order and forfeiture of 100% of your deposit. Any remaining monies will be refunded to you.
• All Lay-Buys require a down payment followed by a second/final payment the following month. Once set up, no changes can be made. Please review carefully!
Final Prices of items on Lay-Buy are set at the time of purchase. No discounts will be honored at the time of shipment regardless if the item is placed on sale after your Lay-Buy is established.

Reminder: all confirmation/invoice notices will be sent to your listed Paypal email address. After a Lay-Buy purchase is confirmed, Firecracker cannot change your email details. Before contacting us with any inquiries, please have your Firecracker + Lay-Buy order numbers ready. Thank you!



The following principles below make up the Terms & Conditions for any Lay-Buy or Laybuy contract and related transactions entered into. This applies to all and any lay-by contract template utilized by both the vendor or consumer:

  1. Record of Payment
    A record of payments transaction history will always be available for both the merchant and buyer, recording all amounts paid to-date and the date and value of all future pending payments as per your agreed lay-by policy.
  2. Storage and Identification of Lay-Buy Products
    Products will be clearly identified as ‘Lay-By contract’ products by a number or some other identification.
  3. Cancellation where business closes
    If Seller under a Lay-Buy agreement proposes to stop trading before the agreement is completed, Seller must give notice of the proposal to the buyer and must either –
    (a) allow the buyer 7 days within which to complete the agreement; and
    (b) cancel the Lay-Buy
  4. Cancellation where products not available
    If the products are no longer available, Seller must cancel the Lay-Buy and refund all monies to the buyer.
  5. Banking Charges back Fees
    The seller shall be entitled to pass-on to the buyer all charge back fees received by any given bank for any given customer charge back from any given Lay-Buy deal.
  6. Service Fee
    Seller shall not charge the customer any interest charges, membership fee or service fee on any Lay-Buy sales transaction. Lay-Buy Financial Solutions Pty Ltd trading as charge an admin fee, which is a once-off 0.9% of the total order value at checkout. The buyer will pay this amount to Lay-Buys at checkout at time of paying the down payment. This fee is an admin fee and is therefore not refundable.
  7. Lay-Buy Reporting
    Seller shall have reporting in place for all Lay-Buy deals covering Down Payment made, Lay-Buy period, Frequency of payments required, Payment amount required per installment; and a full record of all payments made to-date (amount and date on which made).
  8. Delivery
    The seller will only dispatch the buyer product/s after receiving the final installment payment for all Lay-Buy deals.
    14.1   This Agreement shall be binding upon, inure to the benefit of, and be enforceable by the representatives, successors and assigns of the parties hereto.
    14.2   This Agreement may be amended only by a written instrument duly executed by all parties hereto.
    14.3   The parties hereby represent and warrant that each of them has full legal right, power and authority to enter into this Agreement and to carry out its obligations hereunder.
    14.4   This Agreement may be executed simultaneously in one or more counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same instrument.
    14.5   Article headings contained herein are for reference purposes only and shall not in any way affect the meaning or interpretation of this Agreement.