Buy now, pay later with PayBright


Spread the cost of a purchase over $______ into [#] easy monthly
payments*. Just select PayBright at checkout.
*Subject to credit approval.


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.

Why use PayBright?


Prequalify before you buy
Get your PayBright spending limit while you’re still shopping.
Quick and 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 payment method: a bank account or a Visa/Mastercard
debit/credit card.


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.

Get set up

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.



Are there requirements to use PayBright?


Are there requirements to use PayBright? Yes. You’ll need:
• To be 18+ years old
• To be a resident of Canada
• 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

How do I apply? 


If your basket 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 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.

Does payBright do a credit check?


Does PayBright do a credit check? To learn more about PayBright and credit checks, please read this helpful FAQ article on the PayBright help site.

What is PayBright’s interest rate? 

We seek to have the highest standards of transparency so that charges are always fully clear to you. The exact APR/total cost of borrowing that applies to your purchase will be calculated and shown to you before you finalize any transaction. 


Pour de plus amples renseignements sur les intérêts ou les frais, veuillez consulter cet
article utile sur la page d’aide de PayBright.

I was not able to complete a PayBright transaction. What happened?


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.

Which payment methods are accepted?


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.

How can I track my payments and access my
PayBright account?


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.

What if I can’t make a payment?


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.

Are there late or NSF fees??


For more information on late or NSF fees, please see this FAQ article on the PayBright help site.

How do returns work if I paid using PayBright?


Purchases made using PayBright are subject to Kwizine en stock’s standard return policy. Any returns will be processed by Kwizine en stock, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If Kwizine en stock. has provided a refund to you via a gift card, you must still continue repaying your installment plan in full. For information on returns, review Kwizine en stock's return policy here


*Monthly 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 $6.95. Loan offers may vary for customers in the
province of Quebec.
*Certain conditions apply and all transactions are subject to approval
by PayBright. The amount of your monthly payment and the interest
you will pay depend on your credit report. Monthly payments include
a processing fee of up to $6.95 (One to four Dollars) depending on the
amount of your purchase. Please see terms for full details.
*Your monthly payment amount, the interest you will pay, and the loan
terms available depend on your personal credit profile. Conditions apply
and all transactions are subject to approval by PayBright.
*Please note that PayBright is an independent payment company
and [MERCHANT] 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.

Need help?

Send us a note below.

Value is required
The cookie settings on this site are set to "allow all cookies" to give you the best possible experience. Please click on Accept cookies to continue using the site.
You are officially registered!
Your email is saved