Finance and Leasing 

PayBright is Canada’s leading provider of installment payment plans, trusted by 5700+ e-commerce and in-store merchants. After selecting PayBright as a payment method at checkout, shoppers can finalize their transaction in a matter of seconds, and pay for their purchase over time, using payment plans with interest rates as low as 0%.

About PayBright

PayBright is Canada’s leading provider of installment payment plans for e-commerce and in-store purchases. Through partnerships with over 5,700 domestic and international retailers, PayBright allows Canadian consumers to buy now and pay later in a quick and easy experience. PayBright is fully integrated with leading retail partners including Wayfair, Samsung, eBay, Endy, Casper, The Source, Lenovo, Steve Madden, and Bestseller. PayBright’s installment plans range from 4 bi-weekly payments for smaller purchases and up to 60 months for larger purchases, with interest rates as low as 0%. Headquartered in Toronto, PayBright has provided Canadians with over $1.5 billion in spending power since inception. For more information, visit

Checkout Mock up

PayBright Solutions

PayBright offers shoppers two simple, better ways to pay: Pay in 4 and Pay Monthly. By selecting PayBright at checkout, customers can enjoy their purchase today, and pay later.

We set retailers up for success.

  • Canada’s most trusted BNPL solution: Immediately reach thousands of Canadians that already know, trust, and enjoy PayBright.
  • 0% risk, next-day funding: We take on the risk of fraud and non-payment so you don’t have to.
  • Fair, transparent terms: PayBright stands for trust: We don’t charge compounding or retroactive interest, or hide fees in the fine print. 
  • Omnichannel solution: Wherever your customers are, we’re there, too: In-store and online.
  • Easy. Simple. Secure.: Your customers sign up securely in seconds, and receive a real-time decision that helps complete the sale.

PayBright-powered businesses see immediate results.

  • Increase sales conversion by +25%
  • Boost Average Order Value by +30%
  • Earn +20% repeat customers
  • Improve the overall customer journeyPay-in-4-small

Option 1: Pay in 4

Built for smaller purchases, your customers pay in 4 interest-free, bi-weekly installments.


  • No interest or fees
  • No impact on credit score
  • Easy, automatic paymentspay monthly

Option 2: Pay Monthly

Built for larger purchases, your customers pay monthly over 6 to 60 months.


  • Payment plans from 0% interest
  • Highest approval rate in Canada
  • Easy, automatic payments

At its core, Otter Rewards creates a mechanism where we, Otter Products, can thank and reward people for their hard work. We want people to feel excited when they sell our products.