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Buy Now, Pay Later!
Spread the cost of a purchase over $1000*!
Buy Now, Pay Later!
Spread the cost of a purchase over $1000*!
What is PayBright?
What is PayBright?
PayBright is Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers, both in-store and online.
By selecting PayBright as a payment method at check-out, customers can enjoy their purchase immediately, while spreading their payments over time.
Quick & Convenient Checkout
Place your order quickly and easily by choosing PayBright as your payment method at checkout. Enter a few details to get an instant decision and complete your purchase.
Easy Payments
PayBright will automatically debit/charge monthly payments using your preferred method of payment: a bank account, or a VISA/MasterCard debit/credit card.
How do I use PayBright?
How do I use PayBright?
Select PayBright At Checkout
Shop at your favourite stores that offer PayBright and select us as your payment option at checkout.
Setup your PayBright
Use your mobile phone number to set up your PayBright plan within 60 seconds
Enjoy Your Purchase!
Confirm your payment plan and then you’re done! Enjoy your purchase today and pay later.
Purchase Examples
Purchase Examples
Here’s an example for a $1000.00 purchase at 0% interest over 6 months
| Purchase Amount | Monthly Payments | Number of Payments | Total Interest Charges | Total Processing Fees | Total Cost of Borrowing | Total Repayment Amount | Annual Percentage Rates (APR) |
|---|---|---|---|---|---|---|---|
| $1000.00 | $166.67 | 6 | $0.00 | $0.00 | $0.00 | $1000.00 | 0% |
Here’s an example for a $400.00 purchase at 0% interest over 4 bi-monthly payments
| Purchase Amount | Every 2 Week Payment | Number of Payments | Total Interest Charges | Total Processing Fees | Total Cost of Borrowing | Total Repayment Amount | Annual Percentage Rates (APR) |
|---|---|---|---|---|---|---|---|
| $400.00 | $100.00 | 4 | $0.00 | $0.00 | $0.00 | $400.00 | 0% |
*Monthly and/or 2 weeks payment amounts, interest, and loan terms may depend on your personal credit profile. Some conditions apply. All transactions are subject to approval by PayBright. Monthly payments may include a processing fee of up to $4.95. Loan offers may vary for customers in the province of Quebec.
*Please note that PayBright is an independent payment company and PartsEngine Canada has no influence over whether your payment with PayBright is accepted or not. If you have any trouble with your order, please contact PayBright Customer Service.
*Subject to credit approval.
FAQs
FAQs
PayBright is Canada’s leading installment payment provider. When you use PayBright to pay on PartsEngine.ca's checkout page, you can split your purchase into easy, automatic monthly payments.
To use PayBright as your preferred payment choice at checkout:
- Add items to your shopping cart as usual, and select PayBright as your payment method at checkout for orders between $100 and $4000 (including taxes and shipping).
- Get set up: Use your mobile phone number to set up your PayBright plan within 60 seconds.
- Confirm your payment plan with PayBright. PartsEngine.ca will process and ship your order as usual.
- Make 4 equal payment over 6 weeks or 6 monthly payments to PayBright while you enjoy your purchase now.
If your cart is eligible for monthly payments with PayBright, the option will be presented at checkout. After confirming your phone number, you’ll be sent a one-time SMS (Text Message) password to confirm your identity. You’ll then enter a few details for an instant decision. If you’re approved, you will set up your repayment method with PayBright and accept the terms of your payment plan.
Yes. You’ll need:
- To be 18+ years old.
- A Canadian bank account, or a VISA/MasterCard credit/debit card. Your debit card must have the VISA or MasterCard logo.
- An SMS-capable Canadian phone number.
- To meet the minimum cart size required to use PayBright as a payment option at checkout.
At checkout, you will set up convenient, pre-authorized monthly payments that will be debited/charged to your Canadian bank account, or a VISA/MasterCard credit/debit card.
PayBright currently accepts pre-authorized debits from your Canadian bank account, or a VISA/MasterCard credit/debit card. Debit cards must have the VISA or MasterCard logo. Please note that prepaid cards are not accepted.
For more information on related fees, please see these helpful FAQ articles on the PayBright help site
To learn more about PayBright and credit checks, please read this helpful FAQ article on the PayBright help site.
For help with payment information, or if you haven't received your PayBright email confirmation, please contact the PayBright team via their website.
Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please send us a message here.
Please use an alternate payment method to complete your purchase.
Please refer to the payment plan agreement for all of your payment schedule information.
Most authorizations are reversed within 24 hours, however this is ultimately up to your financial institution, and may take 5-10 business days to be reflected on your credit card statement.
Your login details to access your PayBright account are in the confirmation email sent to you when you first completed your transaction. Can't find the details? Please contact the PayBright team.
No, you will not be charged. If you’ve already made a payment to PayBright and are owed a refund, this may take up to 5-10 business days to appear on your bank account or credit card statement. If you have any questions about the refund process, please reach out to the PayBright team through this contact form.
Please reach out to the PayBright team and they will be happy to look into the options available. You can contact them using this contact form
Unfortunately, PayBright is not able to provide payment plans to every applicant. This could be due to the information on your credit file, or because PayBright was not able to verify your identity or your payment method.
Purchases made using PayBright payment plans are subject to PartsEngine.ca's standard return policy. Any returns will be processed by PartsEngine.ca, and your PayBright balance will be reduced or cancelled accordingly. If you have already made monthly payments and are owed a refund, those will be refunded to you by PayBright. For information on returns, review PartsEngine.ca’s return policy here.
PayBright will take convenient pre-authorized payments from your Canadian bank account, or VISA/MasterCard debit/credit card.
PayBright payment plans are available for orders from $500 or more.
For more information on interest or fees, please see this helpful article on the PayBright help site