eLayaway, Inc. (ELAY) is a technology company that specializes in the payments industry, for both online and bricks and mortar merchants. The Company offers products, including members products, merchant products, the Layaway Generator and centralized strategic placements exchange (CSPEX) network access. It has several other products under development, including onsite advertising program, eLayaway hosted mall upgrades, post-denial conversion, recurring payment processor, delayed payment processor, private licensing program, relational database enhancements and eLayaway ADVANTAGE Mall. ELAY is the parent company of six subsidiaries: DivvyTech, Inc. (DivvyTech), eLayaway.com, Inc. (eLayaway.com), PrePayGetaway.com, Inc. (PrePayGetaway), NuVidaPaymentPlan.com, Inc. (NuVida), PlanItPay.com, Inc. (PlanItPay), and Pay4Tix.com, Inc. (Pay4Tix).