Frequently Asked Questions

How does PayBright work?

PayBright is an alternate payment method that allows you to split your purchase into 4 interest-free payments. To use PayBright to pay for your purchase, add products you love to your basket and choose PayBright at checkout. Your purchase will be split into 4 equal payments. The first payment is due when your order is shipped. The remaining three payments will be automatically charged to your debit or credit card every two weeks.

How do I sign up?

If your basket is eligible for 4 interest-free payments with PayBright, the option will be presented at checkout. After confirming your phone number, you’ll be sent an SMS message to confirm your account. You’ll then set up your repayment method with PayBright and accept the terms of your payment plan.

Are there requirements to use PayBright?

Yes, you’ll need:

♦ A Canadian Visa/Mastercard credit or debit card. Debit card must have the Visa or Mastercard logo
♦ To be 18+ years old
♦ To be a resident of Canada
♦ Your own SMS-capable Canadian phone number

Which payment methods are accepted?

PayBright currently accepts Visa and Mastercard credit or debit cards. Debit cards must have the Visa or Mastercard logo. Please note, prepaid cards are not accepted.

Where can I use PayBright?

You can use PayBright on

I see PayBright available at checkout, but why is the option grayed out?

All items in your cart must be eligible to qualify for PayBright. Current restrictions include:
♦ Your order must be placed and shipped within Canada
♦ You cannot use multiple payment methods, including gift cards. PayBright must be your sole payment type.
♦ Your order cannot exceed $1000

What if I get declined from using PayBright?

You can use an alternate payment method to complete your purchase.

Will this affect my credit score?

No. When you sign up for PayBright, they may perform a soft credit check. This will not impact your credit score or show up as a hard inquiry on your credit report.

If the order total changes, how does that affect the 4 payments?

If your order total changes for any reason, the payments will be adjusted accordingly.

How long does it take to reverse a pending authorization?

Most authorizations are reversed within 24 hours, however this is ultimately up to your financial institution.

What if the order is canceled, will I still be charged?

No, you will not be charged. Please reach out to PayBright’s Customer Experience team through their contact form for any additional support.

What if I can’t make a payment?

Please reach out to PayBright’s Customer Experience team and they’ll be happy to look into the options available. You can contact them using their contact form.

Are there late fees?

A late fee will be charged up to $10.00 CAD per payment if funds are not available at the time the automatic payment is due.

Have more questions?

Have more questions? Visit PayBright’s website here. Please see terms for full details.