Our NEW PURCHASING FEATURE is our LayBuy option using your Credit or Debit Card through our online checkout.

We're empowering you by giving you the choice for how much you wish to put down as a deposit, starting from 25% of your entire order, you can increase the initial deposit as you wish and then how many months you wish to have to pay off your LayBuy.

5 SIMPLE STEPS

1. CHECKOUT
Select " Put it on LayBuy by Paypal " payment option at the checkout area of online store.

2. CHOOSE YOUR PLAN
Payment calculator makes it easy for you to set up your own payment plan of up to 6 months. you can select from a 1- month plan to 6-months plan

3. PAY DOWN-PAYMENT ONLY
Select what percentage of the total price you would like to use as the deposit - 25%, 30%, 40% or 50%.

4. SCHEDULED PAYMENTS
Payments are then automatically calculated and processed on the scheduled term YOU set.

5. RECEIVE MERCHANDISE
Receive your items shortly after your last payment.

 

PUT IT ON LAY-BUY CUSTOMER QUESTIONS & ANSWERS

 

QUESTIONS	ANSWERS
Checkout
Is it safe & secure ?	All LAY-BUY payments are automatically setup in PayPal so extremely secure
Can customers select the down-payment % they want to pay?	Yes, customer are presented with a dropdown to select the down-payment they want to pay
Can customers select how many months they need to pay-off the balance?	Yes ,customers are presented with a dropdown to select how many monthly instalments
Cost
Are there any ongoing costs?	No ongoing costs - only a once-off small admin fee. Admin fee amount depends on order value
Are there any interest charges?	No interest charges ever
Are there any late fees?	No late fees ever
Post -Order
When do I receive the goods?	Customer receives their goods after their final payment
How are Lay-Buy instalment payments paid?	Lay-buy instalment payments are auto-paid from your linked card in your PayPal setup
How do I ensure all Lay-Buy instalment payments are paid?	Customers should ensure there is always funds available
Can a customer manually make payments towards their Lay-Buy order?	No - all Lay-buy payments are automated via a recurring profile in your PayPal setup
Can a customer settle a LAY-BUY earlier?	Yes - please contact us at customersupport@emeraldmarts.com your to revise payment plan.
What happens if a payment is missed?	PayPal will then auto attempt again in 5 days, two more times
Is the customer and merchant told about a missed payment?	Yes, PayPal send an email notification to both parties
How does a customer catch up on a missed payment?	We will invoice the customer for missed payment, and move status in our online shop to paid
Can a customer see their payment plan?	Yes, you can login to your PayPal account – go to settings >> payments >> pre-approved payments

 

PUT IT ON LAYBUY -  Terms, conditions, agreements and contract.

Emeraldzhair.com has identified core principles we believe are integral and imperative for all LayBuy agreement deals transacted through our PUT IT ON LAYBUY powered by PayPal checkout payment option to be fair and reasonable as per the Fair Trading Act 1999.

The following principles below therefore make up the Terms & Conditions for any LayBuy contract and related transactions entered into. This applies to all LayBuy contracts set up by the Buyer (consumer):

RECORD OF PAYMENT
A record of payments transaction history will always be available for both the Seller and Buyer, recording all amounts paid to-date and the date and value of all future pending payments as per your agreed LayBuy policy.

CANCELLATION OF LAYBUY BY BUYER
The Buyer may cancel their LayBuy agreement at any time prior to delivery of products by so advising Seller 14 days in advance in writing. Note - the 14 days must not extend past the end term of the LayBuy, or it will be deemed inadmissible. If a Buyer cancels a LayBuy, Seller will, if so requested by the Buyer, give the Buyer a ‘cancellation statement’ which sets out:
a) Total purchase price of products, including shipping costs.
b) Advise Buyer of cancellation fee payable to Seller under all LayBuy terms and conditions.
c) The total amount paid under the LayBuy contract.
d) Any amount owing to either the Buyer or Seller under the LayBuy terms upon cancellation of LayBuy.

CANCELLATION OF LAYBUY BY SELLER
Seller under a LayBuy must not cancel unless:
a) The Buyer breaches a term of the LayBuy.
b) The Seller stops trading.
c) The products are no longer available.

CANCELLATION ON BREACH BY BUYER
If a Buyer has breached a term of a LayBuy and Seller intends to cancel the LayBuy, before doing so Seller must:
a) Give the Buyer notice of Sellers intention to cancel LayBuy.
b) Allow Buyer 7 days within which to rectify the breach.
c) The notice to be given has to be:

I) In writing, sent to the Buyers last known address/email, or, if the Buyer so agrees, orally.
II) Must specify the breach of the LayBuy for which the LayBuy is being cancelled.
III) Must state the time within which the Buyer must rectify the breach.
IV) Must state the matters listed per below:

*    The total purchase price of products, including shipping costs.
*    All cancellation charges payable under the LayBuy agreement (so listed here).
*    The total amount paid under the LayBuy;
*    Any amount owing to either Buyer or Seller under terms of the LayBuy on the cancellation of the LayBuy. The LayBuy is cancelled at the end of the period specified in the notice unless the Buyer rectifies the breach before then or Seller agrees not to cancel it.

CANCELLATION WHERE BUSINESS CLOSES
If Seller under a LayBuy 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 buyer 7 days within which to complete the agreement.
(b)   Cancel the LayBuy.

CANCELLATION WHERE PRODUCTS ARE NOT AVAILABLE
If the products are no longer available, Seller must cancel the LayBuy and refund all monies to the Buyer.

EFFECT OF CANCELLATION
Subject to the above, when a LayBuy is cancelled by either party, Seller must refund all money paid within 14 days less cancellation fees listed.

CANCELLATION CHARGES
Seller shall charge the Buyer a cancellation fee under the terms of LayBuy deals:

*    AUD $50 (if LayBuy purchase is less than AUD $100) or
*    50% of total LayBuy purchase price (if LayBuy purchase is more than AUD $100).

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 LayBuy deal.

SERVICE FEES
Seller shall not charge the Buyer any interest charges, membership fee or service fee on any LayBuy sales transaction. LayBuy Financial Solutions Pty Ltd (who hosts LayBuy feature) charges an admin fee - a once-off 0.9% of the total order value at checkout. The Buyer will pay this amount to LayBuys at checkout at time of paying the deposit/down payment. This fee is an admin fee and is therefore not refundable.

LAYBUY REPORTING
Seller shall have reporting in place for all LayBuy deals covering Down Payment made, LayBuy 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).

DELIVERY
The Seller will only dispatch the buyer product/s after receiving the final installment payment for all LayBuy deals.

ALTERNATIVE METHOD
If you wish to do LayBuy using Direct Deposits from your bank account to ours, please notify us via email or contact form here online (at the top menu right of web page). We are happy to offer you an alternative and abide by the LayBuy Agreement listed above.