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Buy Now, Pay Later with PayBright

4 biweekly, interest-free payments are automatically charged to your Visa or Mastercard debit or credit card. It’s simple and quick!

  1. Add items to your bag
  2. Choose PayBright at Checkout
  3. Choose to pay in 4 instalment payments (We’ll process and ship your order once approved by PayBright. You’ll pay for your purchase in 4 payments, charged every 2 weeks).
  4. Zero interest, which means you don't pay anything extra.


What is PayBright?

PayBright is Canada’s leading instalment 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 checkout, customers can enjoy their purchase immediately, while spreading their payments overtime.

Why would I use PayBright?

No impact on credit score
Using a Pay in 4 PayBright payment plan won’t impact your credit score.

Quick and convenient checkout
Place your order quickly and easily by choosing PayBright as your payment choice at checkout. Simply enter a few details to complete your purchase.

Easy payments PayBright
will automatically debit payments from your chosen Visa or Mastercard debit or credit card, interest-free.

How do I use PayBright?

Shop: Browse and add your favourite finds to your shopping cart. Select: When you reach checkout, choose PayBright as your payment method. Checkout: Complete your purchase and pay later in 4 equal payments. Pay: The remaining 3 payments are charged to your debit or credit card every two weeks.

Are there requirements to use PayBright?

Yes. You’ll need:

• To be 18+ years old
• To be a resident of Canada
• A Canadian 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 option at checkout.

How do I sign up?

If your basket is eligible for ’Pay in 4’ with PayBright, the option will be presented at checkout. After confirming your phone number, you’ll be sent an SMS message to confirm your identity. You’ll then set up your payment method with PayBright and accept the terms of your payment plan.

Does PayBright do a credit check?

Using Pay in 4 will not affect your credit score.

How do I make payments?

At checkout, you will set up 4 convenient, automatic pre-authorized payments that debited/charged your Canadian Visa/Mastercard debit/credit card.

Which payment methods are accepted?

PayBright currently accepts Visa and Mastercard credit or debit cards. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

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 using PayBright?

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

What if I need additional help using PayBright?

For help with your payment plan or if you haven’t received your confirmation email, please contact PayBright via their website.

What if I decline from PayBright?

Please use an alternate payment method to complete your purchase.

I still have questions.

For further information, please refer to PayBright’s FAQ page.

*Please note that PayBright is an independent payment company and FRANC has no influence over whether your payment with PayBright is accepted or not. If you have any trouble with your order, please contact PayBright via their website contact form.