Spread the cost of a purchase into 12, 24 or 36 easy monthly payments*. Just select PayBright at checkout.
*Subject to credit approval.
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 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.
PayBright will automatically debit payments from your chosen Visa or Mastercard debit or credit card, interest-free.
How do I use PayBright?
Select PayBright at checkout
Shop online or in store and select Paybright 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.
Frequently Asked Questions
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 theVisa 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
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.
For more information on interest or fees, please see this helpful article on the PayBright help site.
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.
PayBright currently accepts pre-authorized debits from your Canadian bank account, or a Visa/Mastercard credit/debit card. Debit cards must have theVisa or Mastercard logo. Please note that prepaid cards are not accepted.
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.
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.
For more information on late or NSF fees, please see this FAQ articleon the PayBright help site.
Purchases made using PayBright are subject to Merkava’s standard return policy. Any returns will be processed by Merkava, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If Merkava 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 Merkava’s return policy here.
Please use an alternate payment method to complete your purchase.