About PayBright

What is a PayBright payment plan?

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.

What are the interest rates on PayBright payment plans?

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.

Does PayBright check my credit?

It depends!


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.

Are there any restrictions on what PayBright will fund?

PayBright will fund any service or product that our approved merchant partners supply.

How do I access my account?

You can log in to the PayBright customer portal here. Your login details are in the confirmation email we sent you when you first completed your transaction. If you can’t find your login details, please contact us.

Can I prepay my outstanding balance?

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.

If I have questions about my account, do I contact the merchant or PayBright?

Please contact PayBright directly, as your merchant does not have access to all the details of your account.

What if I want to return my purchase or get a refund?

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.

Is my personal information secure with PayBright?

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.

Using PayBright as a Customer

How do I apply?

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:

  1. At a participating merchant location using our desktop or mobile applications.
  2. Online from your merchant’s website (for participating locations).
  3. On PayBright’s website here: Apply Now

How quickly do I need to use my approved credit?

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.

How do I complete the transaction?

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.

What if the merchant I want to buy from is not registered with PayBright?

For in-store transactions, you can go ahead and apply for credit right away here. Once you are approved, we will contact the merchant you specified on the application form and help complete the transaction.


Is there a merchant we should be working with? If so, please tell us here!

Which payment plan terms are available?

PayBright offers two types of payment plans:

  • Pay in 4: Four bi-weekly payments for smaller purchases, typically under $1,000.
  • Easy Monthly Payments: Monthly repayments ranging from 3 to 60 months.


The PayBright plans available for a purchase depend on what the retailer has chosen to offer.

Can PayBright funding be used to pay for only part of a purchase?

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.

How do I make my payments?

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.

Using PayBright as a Merchant


How do I integrate my e-commerce website with PayBright?

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.

How do I contact someone for technical support?

Please contact us at ms@paybright.com. They will be able to assist you with your questions and concerns!

What online platforms do you integrate with?

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.

How do I install the marketing modal on my website?

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 ms@paybright.com


How quickly do I get paid by PayBright?

PayBright funds its merchant partners on the next business day after the transaction is authorized.

How do I know if my funds have been deposited?

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.

How do I change the bank account that I have on file to deposit funds to?

In order to change your bank account, please contact us at ms@paybright.com. We recognize that this is sensitive information and we want to handle it with care!

Plan offerings

What plans can I offer to my customers?

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!

Can I offer multiple plans at once?

Yes! You can definitely offer multiple plans at once. This flexibility allows your customers to choose which plan works best for their lifestyle.

Can I change my plan?

You can change the plans that you offer by contacting us at ms@paybright.com and letting us know which plans you would like to offer.

Does PayBright run a credit check on customers?

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!

Account management

Where can I see my transaction and payment history?

You can log into the PayBright Merchant Portal to see your transactions and your payment history. If you can’t find your login details, please contact us at ms@paybright.com.

How do I change my password in my Merchant Portal?

You can change your password by contacting us at ms@paybright.com.

How do I add users to the PayBright Merchant Portal?

To add additional users to your PayBright Merchant Portal, please contact us at ms@paybright.com.

How do I get new marketing materials?

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 marketing@paybright.com.

How can I get merchant training?

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 ms@paybright.com.

When can I ship out and fulfill my customer’s order?

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.