Our plans allow you to break down the cost of an expensive purchase into a series of affordable monthly or bi-weekly installments. This allows you to complete your purchase with confidence.
Your merchant may choose to offer 0% interest as a promotion and benefit for customers. If your merchant is not offering 0% interest, our interest rates typically start from 7.95% and the exact rate depends on the quality of your credit. The large majority of our customers pay less than typical credit card interest rates. Our goal is to provide financing options for as many applicants as possible – and always to provide an affordable monthly payment!
Some of our plans also include a small monthly processing fee with each payment. We don’t charge any other service fees, prepayment fees, or any other hidden fees. We seek to have the highest standards of transparency so that charges are always fully clear to our customers. The exact APR (Annual Percentage Rate) that applies to your transaction will be calculated and shown to you before you finalize your transaction.
We do an instant credit check with a bureau if you are paying in Easy Monthly Payments or with a PayBright Virtual Card.
We don’t check your credit with a bureau when you “Pay in 4” with our bi-weekly payment plan.
PayBright will fund any service or product that our approved merchant partners supply.
Yes! PayBright payment plans are repayable in full or in part at any time, with no penalty. To make an extra payment, you can log in to your online account.
Please contact PayBright directly, as your merchant does not have access to all the details of your account.
You should contact your merchant directly to arrange returns or request refunds. Returns and refunds are subject to the return and refund policies of PayBright’s merchant partners. PayBright will process a refund to a customer if we are directed to do so by the merchant partner. You can read more about our refund policy in our Terms & Conditions.
Yes, protecting your personal information is very important to us. We encrypt sensitive data. We also maintain physical, electronic, and other safeguards to protect your information. We do not sell your information to anyone. You can read our detailed Privacy Statement here.
You can apply for a PayBright payment plan in three ways:
For e-commerce transactions, our application is integrated into the checkout process on the merchant’s website. Simply select PayBright as your payment option.
For in-store transactions, you have several options. You can apply:
Your credit approval can be used for up to 365 days. You can fund multiple purchases over time with your credit approval. After 365 days, we require a new application.
For e-commerce transactions, your entire transaction is completed as part of the checkout process on the merchant’s website.
To complete in-store transactions, please bring a piece of photo ID when you visit the merchant’s location. Examples include a Drivers Licence, Passport, Permanent Resident Card, or other government-issued ID. Please note that we are not permitted to accept health cards as photo ID in Ontario, Manitoba, or PEI.
PayBright offers two types of payment plans:
The PayBright plans available for a purchase depend on what the retailer has chosen to offer.
For e-commerce transactions, the entire basket will be funded by PayBright.
For in-store transactions, you can fund any portion of a purchase through PayBright. If you are using cash, debit, or credit card to pay for part of a purchase, you can fund the remainder with PayBright.
Your payments will be set up as convenient pre-authorized payments from your chequing account. In some cases, you can also set up automatic payments from your Visa or Mastercard debit or credit card.
You can view our Integrations Guide which has all the information you need to integrate PayBright with your eCommerce online platform. Once you partner with PayBright, we will send you an introduction email that includes sandbox APIs that you can use to test before going live.
Please contact us at firstname.lastname@example.org. They will be able to assist you with your questions and concerns!
For our ecommerce merchants, we have an integration with the following online platforms: Shopify, Magento, Woocommerce, Bigcommerce, Solidus, osCommerce, Lightspeed, Salesforce, IBM Websphere, SAP Hybris.
Our marketing modal is a widget on your website that your customers can interact with throughout their shopping experience. Customers enter a few details like their name and birthday and they’ll instantly be able to see what spending limit they have been approved for. This does not impact their credit score!
Access our guide to marketing modals for instructions on how to install a marketing modal on Shopify, Magento, WooCommerce, and BigCommerce. If you need assistance, please contact us at email@example.com.
PayBright funds its merchant partners on the next business day after the transaction is authorized.
Log into your PayBright Merchant Portal and click on View my payments. Your account is funded on the next business day after the transaction is authorized.
In order to change your bank account, please contact us at firstname.lastname@example.org. We recognize that this is sensitive information and we want to handle it with care!
You can offer your customers terms that range from 4 bi-weekly payments to easy monthly payment plans. The interest rates range from 0% interest, low-interest, to regular interest plans. The best way to learn about our plans and what works best for you and your customers is to fill out our merchant form and we will get back to you!
Yes! You can definitely offer multiple plans at once. This flexibility allows your customers to choose which plan works best for their lifestyle.
You can change the plans that you offer by contacting us at email@example.com and letting us know which plans you would like to offer.
It depends! We do an instant credit check with a bureau (such as Equifax or TransUnion) if a customer is paying in Easy Monthly Payments or with a PayBright Virtual Card.
We don’t check your credit with a bureau when you “Pay in 4” with our bi-weekly payment plan!
You can change your password by contacting us at firstname.lastname@example.org.
We’re glad you asked! We provide, free of charge, marketing materials that can help you promote PayBright to your customers as a new payment option. If you’re just getting started, here is our guide to all of the essential marketing materials. If you need further assistance, please email us at email@example.com.
After becoming a partner with PayBright, you’ll get an introduction email which includes a way to book a training session with our Merchant Success team. If you need an additional training session, contact us at firstname.lastname@example.org.
We recommend shipping out a customer’s order after the funds have been deposited into your account. This is typically the next business day after the transaction is completed.