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Northeast Florida & The Southeast Atlantic

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This Business is not BBB accredited

eLayaway, Inc.

Phone: (877) 352-9292 Fax: (850) 877-7388 1650 Summit Lake Dr Ste 103, Tallahassee, FL 32317


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Description of Service for eLayaway, Inc.

eLayaway, Inc. is an online payment processor that provides members with the ability to furnish payments incrementally toward the item(s) and/or service(s) they desire. eLayaway is a non-credit based payment method that anyone 18 years of age or over, with a US based bank account can utilize.

All questions or concerns should be directed to eLayaway at or by telephone at (877) 352-9292.

BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that lowered the rating for eLayaway, Inc. include:

  • Failure to respond to 3 complaints filed against business

Factors that raised the rating for eLayaway, Inc. include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • BBB has sufficient background information on this business.

Customer Complaints Summary Read complaint details

8 complaints closed with BBB in last 3 years | 5 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 2
Delivery Issues 1
Guarantee/Warranty Issues 0
Problems with Product/Service 5
Total Closed Complaints 8

Customer Reviews Summary Read customer reviews

7 Customer Reviews on eLayaway, Inc.
Customer Experience Total Customer Reviews
Positive Experience 4
Neutral Experience 0
Negative Experience 3
Total Customer Reviews 7

Additional Information

BBB file opened: August 25, 2006 Business started: 08/01/2006 Business started locally: 08/01/2006 Business incorporated: 09/01/2009 in FL
Type of Entity


Business Management
Mr. Bruce Harmon, CFO Ms. Melissa Valido, Director of Customer Relations
Contact Information
Principal: Mr. Sergio Pinon, Chief Executive Officer
Customer Contact: Ms. Melissa Valido, Director of Customer Relations
Business Category

Payment Processing Service

Additional Information

Policies and Procedures for eLayaway, Inc.

Payment Terms:
eLayaway charges a flat transaction fee on each layaway. The calculation of this fee is outlined within the eLayaway Fee Schedule ( The applicable fee is non-refundable in the event of a cancellation.
All fees charged and funds to be collected will be debited from the member’s specified payment method. 

Cancellation Fee:

The eLayaway cancellation fee charged to members is either $25 or 10% of the price of the item placed on layaway;
whichever is less. The remaining balance, less the cancelation fee and any applicable transaction fees, is returned to the member's bank account (via ACH) upon member requested cancellation and confirmation. This refund can take up to 10 business days to reach a member’s account. This delay is sometimes necessary to ensure that the most recent payments
on the account have cleared and are available for return.

Unsuccessful or Failed Payments:

If any scheduled payment is unsuccessful, eLayaway will assess a $5 NSF (Non-Sufficient Funds) fee to the member's account per instance. If a failed payment occurs, the unsuccessful payment will automatically be rescheduled at the end of the layaway based on the original payment frequency (i.e weekly, monthly). The $5 fee will be scheduled on the same day of the next remaining payment. In the event that a failed payment occurs on your final payment, the final payment and the $5 fee will be rescheduled for the same date. This fee is to offset banking fees generated to the Company by the member's failed payment. ELAYAWAY IS NOT RESPONSIBLE FOR ANY BANK CHARGES A MEMBER MAY INCUR DUE TO FAILED PAYMENTS.

Bank Verification: 

All eLayaway members are required to verify their bank account prior to completing any layaways. Should a layaway be completed and the member’s bank account go unverified for a period of 30 days, eLayaway will cancel the member's order and all funds will be returned to the member's bank account. This process is done to ensure the member's security as well as to verify the member is the true account holder. Bank account verification only needs to be completed once for the lifetime of the bank account on file.

Scheduled Deductions: 

Adjustments to a scheduled payment must be submitted two business days in advance of the scheduled due date. Scheduled deductions are dictated directly by the member and are the sole responsibility of the member to manage. It is the member's responsibility to manage any and all adjustments in their payment schedule, whether made personally by the member or per the request of the member through an eLayaway Customer Service Representative. ELAYAWAY IS NOT RESPONSIBLE FOR ANY BANK CHARGES A MEMBER MAY INCUR DUE TO FAILED PAYMENTS.

eLayawayMALL Purchases: 

eLayaway makes no representation or warranties of any kind, expressed or implied, as to the information, content, materials, item(s) and/or service(s) sold within the eLayawayMALL. eLayawayMALL item(s) and/or service(s) prices, description and/or availability may change at any time during the eLayaway payment process. eLayaway is not responsible for notifying the member of the change in information. eLayaway reserves the right to fulfill the item or service through an alternate channel if the item(s) is out of stock, its price changes, or it is no longer available. When confirming the purchase of an item(s) and/or service (s) listed in the eLayawayMALL, eLayaway members grant eLayaway the ability to purchase the item(s) and/or service(s) from an eLayaway affiliate or authorized fulfillment channel once the member has paid for the item(s) and/or service(s) in full. 

eLayawayMALL Returns & Shipment Inquiry: 

If an eLayaway member wishes to return an item purchased through the eLayawayMALL, the eLayaway member must contact the eLayaway Customer Support at eLayaway will then contact the affiliate to arrange the appropriate return method. eLayaway adheres to the refund/return policy of its affiliates and cannot alter it in any fashion. eLayaway is not responsible for any incurred fees charged by the affiliate in the event of a refund or return. 

Merchant Purchases: 

Availability of service and payment terms are set by each individual merchant. eLayaway does not limit any transaction due to total amount. In the event a merchant cannot complete or fulfill the transaction as agreed, the member will receive a full refund minus any fees assessed for insufficient funds. eLayaway makes no representation or warranties of any kind, expressed or implied, as to the information, content, materials or products sold by merchants using the eLayaway payment process.

Merchant Returns & Shipment Inquiry: 

If an eLayaway member wishes to return an item purchased through an eLayaway merchant or receive shipment information, the eLayaway member must contact the merchant from which they purchased the item.  eLayaway is not responsible for any incurred fees charged by the merchant in the event of a refund or return. 

For a full description of the companies policies and terms & conditions, please visit:


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