Merchant-held layaway, scheduled and auto-debited.
FinanceLayer is scheduling software for merchant-operated layaway: the customer signs a plan, authorizes a bank-account debit via Stripe Financial Connections, and the installments auto-debit on the schedule you set. You hold the goods until the final installment posts. No credit extended, no interest, no third-party underwriter. Defaults to 4 installments to stay outside the Truth in Lending Act's definition of "credit."
Layaway for your store.Without the 6% BNPL fee.
FinanceLayer turns your Shopify store into its own installment lender. You set the terms. Customers pay by ACH, no Affirm, no Klarna, no Afterpay percentage cut.
Split large orders into a deposit plus monthly installments. Set custom terms, down payment minimums, and payment schedules.
Send professional payment agreements via email. Customers review terms, sign digitally, and pay their deposit, all in one flow.
Track every installment with due dates, payment status, and remaining balances. Know exactly where each plan stands.
Collect deposits and installments via ACH bank transfer through Stripe. Lower fees than credit cards on every payment.
Offer a payment plan. Get paid on schedule.
Four steps. Four installments. Goods stay with you until the final payment posts. FinanceLayer automates the agreement, the ACH collection, and the reconciliation end-to-end.
Build the plan
Pick the term, cadence, and deposit. Merchant defines, no provider dictates.
Customer signs
E-sign an ACH authorization and payment schedule. Bank-level Stripe verification.
I authorize ACME Co. to debit $250 bi-weekly from my Chase account (••••4827).
Auto-collect
Stripe ACH debits run on schedule. Failed pulls retry. SMS + email reminders built in.
Keep the margin
Every installment settles to your own Stripe account. No third-party percentage cut.
See every plan. Get paid on time.
Track active installment plans, settled revenue, and collection health, all inside Shopify Admin.
- One-click agreement linkCopy & send to customer from the plan page.
- Auto-retry failed ACHSmart-retry on NSF. SMS customer on failure.
- Due-date remindersEmail 3 days before each installment.
- Stripe settlement reportEvery installment auto-reconciled to a Stripe transfer.
Legally binding. Brand-free. One click.
Each plan is an e-signed ACH authorization. Your branding. Your terms. The customer never has to create an account.
- E-SIGN Act compliantTimestamp, IP, and agreement hash stored immutably.
- Your branding, not a BNPL logoYour store name, logo, colors, not a third-party brand's.
- Mobile-first signingPhone, tablet, desktop, works everywhere.
This agreement authorizes ACME Supply Co. to collect installment payments via ACH bank transfer.
IP 174.21.•••.24
Same payment plan. Six-times lower cost to you.
BNPL providers underwrite the loan and charge you a percentage of every order. FinanceLayer lets you underwrite, and keep the margin.
Merchant keeps ≥99% of order revenue
Merchant defines installment terms
ACH collection (not card)
Your branding on the agreement
No customer account signup required
Flat monthly fee · no per-order cut
E-signed ACH authorization (audit trail)
Available on every Shopify plan
Merchant fee on a $1,000 order
Merchant fees sourced from public pricing pages (affirm.com/business/pricing, klarna.com/business, afterpay.com/merchant, shopify.com/shop-pay-installments) as of April 2026. Shop Pay Installments merchant fee estimated from Shopify's stacked Payments + Affirm rate disclosures. Compliance note: FinanceLayer is scheduling and documentation software, not a lender. Merchants using 5+ installments or charging interest should consult counsel on TILA and state RISA requirements.
Ready to offer payment plans?
Install FinanceLayer from the Shopify App Store and create your first installment plan in minutes.
One app. Three modules.
Recover every dollar lost to processing fees. Stack all three for flat pricing with no volume caps.