At Laybuy, we’re committed to being the leader in responsible credit. This means giving you a safe, secure and easy way to pay. Because we’re all about making your life easier.

If you think someone else has accessed your account, please contact us as soon as possible

How we keep you safe from fraud
As a responsible lender, we’re continually investing in new technology and intelligence software. This helps to secure our platforms, identify fraud and protect you and your account.
Keeping your account safe:
1. Secure set-up:
We carry out thorough identity checks on everyone who signs up to Laybuy. 
If we identify an unauthorised purchase or an instance of fraud we immediately suspend your account until we can confirm your identity.
2. Constant monitoring:
We carefully track shopping behaviours and login activity to quickly identify anomalies that relate to fraud. 
What should you do if someone else has used your Laybuy account?
Let us know as soon as you can via this form.

Please get in touch within 45 days from the date the charge first appears on your credit card, bank statement or Laybuy statement.

We’ll investigate the activity on your account and if we can confirm you have been a victim of fraud we’ll refund the amount you were charged for the unauthorised purchase. You will still be responsible for paying any late fees incurred before the fraudulent purchases.

When you contact us, please have on hand as much info as possible about the order (for example, retailer name, date of purchase, order number, description of the goods, payment method used, and/or the date when the purchase first appeared on your credit card or bank statement).
How to protect yourself online
Keep yourself safe with these tips and resources:
  • Avoid using public WiFi.
  • Use a unique password for each of your online logins.
  • A password is more secure if it has at least 8-10 characters and includes an upper and lower case letter, a number and a special character.
  • Use a password management tool like 1Password
    or LastPass.
  • Do not share your login details with anyone.
  • Sign up to a service like Clearscore Protect or Experian Identity Theft to get personalised alerts on password breaches.
  • Keep up to date with your device and app updates. 
  • Use antivirus software on all your devices.
  • Don’t download anything to your computer or mobile device that doesn’t come from a trusted source.
  • Be careful what personal information you put on social media and only accept invitations from people you know. 
  • Cancel any lost or stolen credit or debit cards immediately.
You can learn more about how to protect yourself here.
Security Regulations
One of the ways we support and protect you and your account is by complying with all government and regulatory requirements.

PCI-DSS Compliant: Laybuy is a Level 1 Service Provider and is compliant to PCI DSS Version 3.2 standard.

PCI DSS is a comprehensive set of requirements created by the Payment Card Industry Security Standards Council to ensure cardholder data security.

Laybuy does not receive cardholder data from our merchants. Merchants may have PCI DSS responsibilities that are independent of the Laybuy Merchant Services Agreement. It is the Merchant’s sole responsibility to remain informed of their PCI DSS obligations and compliance status. Laybuy’s Attestation of Compliance (AOC) is available to merchants and partners on request after a mutually executed NDA. Laybuy’s Privacy Policy is available here.
Customer Service
Being a responsible lender is core to who we are as a business. Our customer support team is available 7 days a week to help you manage and protect your financial wellness and safety.

If you have any concerns about your or your customers’ accounts please don’t hesitate to contact us.