Pay Over Time with PayBright

Canadian customers can spread the cost of a purchase of over $300, into easy monthly payments*. Just choose PayBright at checkout. 
*Subject to credit approval.


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 checkout, customers can enjoy their purchase immediately, while spreading their payments over time. 


  • 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. 


  • Select PayBright at checkout: Shop at your favourite stores that offer PayBright and select us as your payment method 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.


How does PayBright work?

PayBright is one of Canada’s leading installment payment providers. When you use PayBright to pay at Union Wood Co’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 $300 - $15,000 
  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. Union Wood will process and ship your order as usual.
  4. Make monthly payments to PayBright while you enjoy your purchase. 

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.

Are there requirements to use PayBright?

Yes. You’ll need:

  • To be the age of majority in your province 
  • To be a resident of Canada
  • Depending on the plan you select, options include 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 make my payments?

At checkout, you will set up convenient, pre-authorized monthly payments that will be debited/charged to your Canadian bank account, or a Visa/Mastercard credit/debit card.

Where can I use my PayBright spending limit?

You can use PayBright on The limit can be used across the merchant network, and will be updated based on your repayment history and merchant type.

Is there an annual fee?

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

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.

Are there late or NSF fees?

For more information on late or NSF fees, please see this FAQ article 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 your PayBright email confirmation, please contact the PayBright team via their website. 

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. 

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

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.

What if I get declined from using PayBright?

Please use an alternate payment method to complete your purchase.

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.

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.

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 the order is canceled? Will I still be charged?

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.

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. 

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. 

How do I make my monthly payments?

PayBright will take convenient pre-authorized payments from your selected payment method. 

How much can I spend with PayBright?

PayBright payment plans are available for orders from $300 - $15,000

What is PayBright's interest rate?

For more information on interest or fees, please see this helpful article on the PayBright help site.

Where can I find PayBright’s Terms and Conditions?

You can find them here.

I still have questions. Who do I contact?

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

*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.

*Certain conditions apply and all transactions are subject to approval by PayBright. The amount of your monthly payment and the interest you will pay depend on your credit report. Monthly payments include a processing fee of up to $XXX depending on the amount of your purchase. Please see terms for full details.

*Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile. Conditions apply and all transactions are subject to approval by PayBright.

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