Buy now, pay monthly with
Spread the cost of a purchase over $300 over 12 simple monthly payments
*. Simply select PayBright at checkout.
* Subject to credit approval.
What is PayBright?
PayBright is Canada's leading payment platform
. It offers consumers
instant financing solutions with their favorite retailers, at
stores and online.
By selecting PayBright as their payment method at checkout,
customers can enjoy their purchase immediately by
staggering their payments.
Why use PayBright?
Prequalification before purchase
Get your PayBright spending limit while you store.
Fast, convenient transaction
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 make your purchase.
Simple payments
PayBright automatically deducts your monthly payments from the
payment method you choose: bank account or Visa or Mastercard debit or
credit card.
How can I use PayBright?
Select PayBright at checkout: Shop at your favorite merchants that offer PayBright and select it at checkout.
Set up your options: Use your cell phone number to set up your PayBright account in less than a minute.
Enjoy your purchase: Confirm your financing plan, and voilà! Enjoy your purchase now and pay later.
Example of a $600 purchase with PayBright
PURCHASE AMOUNT |
MONTHLY PAYMENT |
NUMBER OF PAYMENTS |
TOTAL INTEREST EXPENSE |
TOTAL PROCESSING COSTS |
TOTAL COST OF BORROWINGS |
TOTAL REPAYMENT AMOUNT |
CREDIT RATES |
600 $ |
50 $ |
12 |
0 $ |
0 $ |
0 $ |
600 $ |
0 $ |
FAQ
Are there any requirements for using PayBright?
Yes, the requirements are as follows:
- Be 18 years of age or older.
- Be a resident of Canada.
- Be a Visa or Mastercard credit or debit card holder. Canadian. Your debit card must bear the Visa or Mastercard logo.
- Have a Canadian phone number able to receive SMS messages.
- Respect the minimum purchase amount required to use PayBright as a payment option at checkout.
How do I submit a request?
If your cart qualifies, you'll be able to opt for PayBright's monthly payments at checkout.
After confirming your phone number, you will receive a unique password by SMS to confirm your identity.
Then enter a few details to get an instant decision.
If you're approved, you'll need to set up your repayment method with PayBright and agree to the terms of your financing plan.
Where can I use PayBright?
You can use PayBright to purchase our products on paoma.ca. PayBright is not available for the purchase of our products from any of our distributors or other websites selling our products.
Does PayBright perform a credit check?
To learn more about PayBright and credit checks, please see this helpful FAQ article on the PayBright help page.
What is PayBright's interest rate?
For more information on interest or fees, please see this helpful article on the PayBright help page.
I was unable to complete a PayBright transaction. What happened?
Unfortunately, PayBright is unable to provide financing plans to every applicant. This may be due to your credit report information, or because PayBright was unable to verify your identity or payment method.
What payment methods are accepted?
PayBright currently accepts Visa and Mastercard credit and debit cards. Debit cards must bear the Visa or Mastercard logo. Please note that prepaid cards are not accepted.
How can I keep track of my payments and access my PayBright account?
Your login information to access your PayBright account can be found in the confirmation email you received after completing the transaction. Can't find the details? Please contact the PayBright team.
How are returns processed if I paid using
PayBright?
Purchases made using PayBright are subject to PAOMA's standard return policy. All returns will be processed by PAOMA and your PayBright balance will be reduced, cancelled or refunded accordingly. If PAOMA issues a refund in the form of a gift card, you must still pay your installment payment in full. For information on returns, please see PAOMA 's return policy.
I have a few more questions.
For more information, please consult the PayBright FAQ.