English to Portuguese Other Business/Commerce (general)

Surge num texto relacionado com o comércio a retalho. Segundo a wikipedia:

"Layaway (lay-by in Australia, New Zealand, South Africa and Great Britain) is a way to purchase an item without paying the entire cost at once. However, rather than taking the item home and then repaying the debt on a regular schedule, as in most installment plans or hire purchases, the layaway customer does not receive the item until it is completely paid for. "

Alguém sabe qual o nome deste tipo de pagamento em pt-pt, por favor? Obrigada!