2–24 installments · weekly/biweekly/monthly · optional deposit · per-product, cart-level, or manual plans.

Layaway auto-reserve; release on paid-in-full. Pay-over-Time fulfills on first payment/approval. Holds, expirations, auto-cancellations.

Clear schedule at checkout · self-service portal (pay now, update card, change date) · SMS/email reminders · receipts each installment.

Smart retries · card updater (where supported) · escalation messages (soft → firm → final) · partial settlements & write-offs · team inbox.

Aging, MTD/YTD collections, completion rate · Layaway vs Pay-over-Time performance · payouts/fees · CSV exports · accounting-ready summaries.

Run plans online, in-store, and on Mi Toko. POS codes & QR for starting plans at the counter. In-store layaway tickets and pickup on paid-in-full. Hosted links for phone orders; PDP widgets for web. Staff permissions & audit trails for cashiers/sales reps.