Lighting the way for Canadians

Paybright

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?

1. Select PayBright at checkout

Shop at your favourite stores that offer PayBright and select us as your payment option at checkout.

2. Get set up

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

3. Enjoy your purchase!

Confirm your payment plan and then you’re done! Enjoy your purchase today and pay later.

FAQs - More Questions

How does PayBright work?

PayBright is Canada’s leading installment payment provider. When you use PayBright to pay at Lights Canada’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. Lights Canada will process and ship your order as usual. 4. Make payments to PayBright while you enjoy your purchase.

How do I make my payments?

PayBright will help you set up convenient, pre-authorized payments via your bank account or a Canadian bank account, or a Visa/Mastercard credit/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 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.

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.

*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 $6.95 (One to four Dollars) 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.

*Please note that PayBright is an independent payment company and Lights Canada has no influence over whether your payment with PayBright is accepted or not. If you have any trouble with your order, please contact PayBright Customer Service.