How to setup lay-by (Recurring Payments)



Recurring payments is an addon. You can install the Add-on from the Addon store.

You can setup the lay-by feature on your site will allow customers to pay for orders in instalments.

Step 1 - Check if your credit card payment gateway supports triggered payments

Not all credit card gateways support multiple payments for an order. Below is a list of supported gateways/processing types which can process layby.

Payment Processor Type of Processor
eWay Store Card & Charge Later (On Website)
Paystream Store Card & Charge Later (On Website)


This can be configured from the Neto dashboard by navigating to Setup & Tools > Payment Methods.
For instructions on adding a new payment method, go to How do I add a new payment option or method?

If you don't have one of these options, don't panic. You can still provide 'Buy Now, Pay Later' options such as Afterpay and Zipmoney which allow people to pay off their items over time.

Step 2 - Add ‘Pay in Full’ Option

Note: It is important that you add a Pay in Full option first so it will appear at the top of the list on payment plans in the Checkout.
  1. From the Neto dashboard, navigate to Setup & Tools > All Settings & Tools.

  2. Click on Payments & Tax tab and click Payment & Order Plans.



  3. Click Add New button.


  4. Enter a Plan Name (i.e. “Pay in Full” or similar).

  5. Set the Status to Active.

  6. Select the Payment Options to Accept All Payment Methods.

  7. Set the Billing Frequency to Only Once.

  8. Set Upfront Payment to 100.

  9. Save the changes.

Step 3 - Add Lay-by Options

  1. From the Neto dashboard, navigate to Setup & Tools > All Settings & Tools.

  2. Click on Payments & Tax tab and click Payment & Order Plans.



  3. Click Add New button.


  4. Enter a Plan Name. This will appear in the drop down menu on the Checkout page.

  5. Set the Status to Active. Only Active payment and order plans will display inn the Checkout.

  6. Select the Payment Options it is recommend that you select Only Accept Recurring Payment Methods.

  7. Set the Billing Frequency and enter the day and the period.

  8. You can set the initial payment percentage by entering into Upfront Payment.

  9. Under Total Terms, enter the number of payments. The balance (after the initial payment will be divided by this number.

  10. Save the changes.


  • Last Modified: 09/09/2016 Neto Version: 6.4