Buy now, pay later with 

Paybright icon

Spread the cost of a purchase over 12 easy monthly payments*. Just select PayBright at checkout.

*Subject to credit approval.

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?

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Prequalify before you buy

Get your PayBright spending limit while you’re still shopping.

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Quick and convenient checkout

Place your order quickly and easily by choosing PayBright as yourpayment method at checkout. Enter a few details to get an instantdecision and complete your purchase.

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Easy Payments

PayBright will automatically debit/charge monthly payments usingyour preferred payment method: a bank account or a Visa/Mastercarddebit/credit card.

How do I use PayBright


Select PayBright at Checkout

Shop at your favourite stores that offer PayBright and select us asyour 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.

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Use the link above to get prequalified today

Sample Payment Terms

Number of Payments
Total Interest Charges
Total Cost of Borrowing
Total Repayment Amount
Annual Percentage Rate
6 month
12 month

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 apayment option at checkout

How do I sign up?

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 theVisa 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.

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 JCCF's standard return policy. Any returns will be processed by JCCF, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If JCCF 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 JCCF's return policy here.

I still have questions.

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

How does PayBright work?

PayBright is Canada's leading installment payment provider. When you
use PayBright to pay at JCCF's 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 $XX and $XX
(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. [MERCHANT] will
process and ship your order as usual.
4. Make [CUSTOMIZE PAYMENT FREQUENCY, i.e. “12 or 24 monthly
payments”] to PayBright while you enjoy your purchase.

How do I make my payments?

PayBright will help you set up convenient, pre-authorized payments viayour bank account or a Canadian bank account, or a Visa/Mastercardcredit/debit card.

When will my payments begin? And what if I have pre-order products?

Please refer to the payment plan agreement for all of your payment schedule information.

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 the order is canceled? Will I still be charged?

No, you will not be charged. If you’ve already made a payment toPayBright 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.

Where can I find PayBright's Terms and Conditions?

You can find them here.

What if I get declined from using PayBright?

Please use an alternate payment method to complete your purchase.

Why don't I see PayBright as a payment option atcheckout?

If your retailer offers PayBright, but you don’t see it as a payment option, please see this helpful FAQ article on the PayBright help site.

How much can I spend with PayBright?

PayBright payment plans are available for orders from $2000.

Is there an annual fee?

For more information on related fees, please see these helpful FAQ articles on the PayBright help site.

What if I haven’t received an email regarding my payment plan, or if I need additional help with my payment plan?

For help with payment information, or if you haven’t received yourPayBright email confirmation, please contact the PayBright team via their website.

How long does it take to reverse a pending PayBright authorization on my credit card?

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.