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%.

Add Partner Learn More About RQ

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




PayBright Solutions

Installment Payment Plans

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 journey


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 payments


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


After switching to PayBright’s Pay in 4 product, which offers 0% APR to customers, we saw a huge uplift of about 55% in sales, and our percentage of PayBright sales increased dramatically from 8% to 23% of sales per day.
Eugene Chua
Head of Global Digital Marketing, Secretlab
Partnering with PayBright has been a big win for us. Almost immediately we started seeing results. It’s a powerful tool for our customers and we’ve seen a very positive impact on our sales. Customers love the 0% offer and the simplicity of the PayBright process.
Mike Gettis
Founder and CEO, ENDY
Super fast to use and it makes purchasing a bigger ticket item so much easier! I didn't even have to pay with my credit card! Payments will come out automatically until everything is paid off. SUPERB!
Customer, British Columbia
Very straightforward process to use & understand. Quick verification, with a direct link to your bank account ... You get a customised agreement of account, written in mostly 'plain language' - which makes the process with PayBright feel very transparent and fair. Highly recommended for large (but important) purchases!
Customer, Alberta
Super simple and straightforward! Even the terms and conditions were easy to read … Definitely would use again and hope they partner up with more companies!
Customer, Ontario


Already using this integrated solution? We'd love to hear your feedback!

Review this Partner

Let us get you in touch with the right people—our partners!

Complete the form below.