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.

FAQs

PayBright is Canada’s leading installment payment provider. When you use PayBright to pay at checkout, you can split your purchase into easy, automatic monthly payments.

To use PayBright as your preferred payment choice at checkout:

1. Add items to your shopping cart as usual, and select PayBright as your payment method at checkout for orders between $300 and $15,000 (including taxes and shipping).

2. Get set up: Use your mobile phone number to set up your PayBright plan within 60 seconds.

3. Confirm your payment plan with PayBright. Two2Brew will process and ship your order as usual.

4. Make monthly payments to PayBright while you enjoy your purchase.

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

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.

To learn more about PayBright and credit checks, please read this helpful FAQ 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.

Purchases made using PayBright are subject to Two2Brew’s standard return policy. PayBright payment plans are available for orders from $300 to $15,000.

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.

You can find them here.

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.

Purchases made using PayBright are subject to Two2Brew’s standard return policy. Any returns will be processed by Two2Brew, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If the Two2Brew 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 Two2Brew’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.