Most merchants pay nothing to use DuelaPay. See exactly what each product does, how it fits into your store, and what it costs if you want more than the free suite.
Five products, each solving one part of the lay-by and commerce journey.
The core product. Shoppers pay in fixed instalments. Merchants receive an early payout. Every plan is backed by a regulated trust account and governed by the Consumer Protection Act.
βStart a plan in minutes.β
Dead stock? List it on Xchange. Shoppers browse clearance listings and buy outright. You only pay a success commission when a sale completes. Open to all merchants β even those with their own lay-by plan.
βNo sale, no fee.β
Your digital storefront. Shoppers find merchants, browse live catalogues and start lay-by plans directly. No website yet? We create your Discover storefront when you onboard.
βLive in hours, no website needed.β
Pay with Duela at checkout β for outright purchases. Shoppers sign in with their Duela account and pay with Duela, just like any other gateway. Every purchase earns points on their Duela Score and adds cashback to their wallet pocket.
βEvery purchase builds your score.β
Airtime, data, electricity and bill payments β all from inside the Duela app. Every VAS purchase earns rewards paid straight into your wallet pocket.
Every Duela product β lay-by completions, Duela Checkout purchases and, soon, VAS spend β earns rewards into your Duela Wallet pocket. Use your pocket to offset lay-by instalments, fund future purchases or spend on VAS. Your rewards never expire while your account is active.
Integration effort varies by use case β here's what each path honestly involves. We don't promise βno devβ for everything, because for some of these that wouldn't be true.
Lay-by on WooCommerce & Shopify β the fastest path to lay-by, two ways:
Generate a Duela lay-by link from your dashboard. Paste it anywhere β product description, WhatsApp, social bio. No development needed.
Install the Duela plugin from the WooCommerce or Shopify app store. The lay-by price and βStart Lay-byβ button appear on your product page automatically. No SDK, no API keys.
Best for: lay-by origination only.
Duela Checkout on WooCommerce & Shopify. Add βPay with Duelaβ as a payment method at your checkout. Shoppers pay outright with their Duela account and earn rewards on every purchase.
Install the WooCommerce payment gateway plugin or the Shopify payment app, then add your Duela merchant credentials. No custom dev on supported platforms.
Best for: outright purchases + lay-by on WooCommerce / Shopify.
Custom & headless platforms. Full API access for merchants with their own platform, app or custom checkout. Build Duela Lay-by, Duela Checkout or both into any tech stack. Moderate to significant dev effort, depending on scope.
Best for: custom builds, white label, enterprise.
Most merchants only ever need the Free tier. The rest exist for specific needs β clearing dead stock on its own, using a single module, or building your own fully branded product.
Once-off setup fee: R8,500 β waived on an annual contract.
Every row, side by side β so you know exactly what's included before you choose.
| Feature | Free | Xchange Standalone | Pay-As-You-Go | White Label |
|---|---|---|---|---|
| Monthly fee | R0 | R0 | R0 | From R3,500/mo |
| Lay-by origination | β | β | β | β |
| Duela Checkout (outright purchase gateway) | β | β | β | β |
| Merchant dashboard | β | β Xchange profile only | β | β Own branded UI |
| Discover storefront | β | β | β | β |
| Duela Xchange listings | β Success commission | β | β | β |
| Shopper KYC | β | β | β | β |
| Instalment collections | β | β | 0.8% of value collected | β |
| Cancellation management | β | β | β | β |
| Wallet pocket rewards | β | β | β | β White-label configurable |
| Duela Score API | Built in | β | R3.50 per call | β Included |
| Lay-by Credential query | Built in | β | R2.00 per query | β Included |
| Custom branding / white-label UI | β | β | β | β |
| Your own shopper UI | β | β | β | β |
| Full API access | β | β | β Pay-per-call | β Full access |
| Dedicated support | β | β | β | β |
| Compliance coverage | β | β | β | β |
Two different products, solving two different problems. Most merchants use both.
Your storefront. Where shoppers find you, browse your live catalogue and start lay-by plans. Free for every merchant.
No website? We build your Discover storefront at onboarding β live in hours.
Your clearance channel. List slow-moving or dead stock for outright sale. Open to all merchants β even those running their own lay-by scheme. Xchange sits alongside your Discover storefront, not instead of it.
Success commission only β you pay nothing unless we sell it.
All prices exclude VAT. White label GMV tiers are based on monthly platform GMV processed through the Duela engine. The Xchange success commission rate is confirmed at onboarding based on product category and volume. The Duela Checkout transaction fee is disclosed at merchant onboarding. Integration effort estimates are indicative β actual scope depends on your existing platform and tech stack.
Not sure which integration fits your store? We'll help you work it out β no obligation.
