Make 4 bi-weekly interest free payments or low monthly payments from 3 to 24 months.
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.
-
Pay in 4
-
Pay Monthly
Pay in 4
4 biweekly, interest-free payments are automatically charged to
your Visa or Mastercard debit or credit card. It’s simple and quick! Payments for purchases of $50 - $300.
Why 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 through www.choicemart.ca 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.
Frequently Asked Questions
How does PayBright work?
PayBright is Canada’s leading installment payment provider. When you use PayBright to pay at Choice Mart, you can split your purchase into 4 biweekly interest-free payments. To use PayBright as your preferred payment choice at checkout:
1. Add items to your shopping cart as usual.
2. Choose PayBright at checkout and enter a few details.
3. Your purchase will then be split into 4 equal interest-free payments.
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 as a payment 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.
Where can I use PayBright?
You can use PayBright online & in-store.
Does PayBright do a credit check?
Using Pay in 4 will not affect your credit score.
How do I make my 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 if I paid using PayBright?
Purchases made using PayBright are subject to our standard return policy. If the we have provided a refund to you via a gift card/store credit, you must still continue repaying your
installment plan in full. For information on returns, review our return policy here.
What if I need additional help with my payment plan?
For help with your payment plan or if you haven’t received your confirmation
email, please contact PayBright via their website.
What if I get declined from using PayBright?
Please use an alternate payment method to complete your purchase.
Can I prepay my outstanding PayBright balance?
Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please send us a message here.
I still have questions.
For further information, please refer to PayBright’s FAQ page.
Pay Monthly
Spread the cost of a purchase over $300 into 3 to 24 easy monthly
payments*. Just select PayBright at checkout. *Subject to credit approval.
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 paymentsText
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.
Frequently Asked Questions
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?
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?
For more information on interest or fees, please see this helpful article on the PayBright help site.
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.
Can I prepay my outstanding PayBright balance?
Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please send us a message here.
What if I get declined from using PayBright?
Please use an alternate payment method to complete your purchase.
Customer Support:
Phone: 1-877-276-2780
Email: cs@paybright.com
Website: www.paybright.com
*Please note that PayBright is an independent payment company and Choice Mart 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.