4 biweekly, interest-free payments are automatically charged to
your Visa or Mastercard debit or credit card. It’s simple and quick!

What is PayBright?

PayBright is Canada’s leading installment payment platform, providing shoppers with buy now, pay later solutions at their favourite retailers.

By selecting PayBright as a payment method at checkout, customers can enjoy their purchase immediately, while spreading their payments over time.


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.



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 on

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 Kwesiya’s standard return
policy. Any returns will be processed by Kwesiya, and your PayBright
balance will be reduced, cancelled, or refunded accordingly. If the Kwesiya
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 Kwesiya’s 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.

I still have questions.
For further information, please refer to PayBright’s FAQ page.