What is PayBright?

PayBright is Canada’s leading installment payment platform, providing customers with buy now,
pay later solutions at their favourite retailers, both in-store and online.

Why use PayBright?

Prequalify before you buy
Get your PayBright spending limit while your transaction is in progress or even before you visit the store.

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?

Select PayBright as your payment method

Prequalify with Paybright before visit the store and select us as your payment option at the end of your transaction.

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.


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

Mentioned to the sale representative that you would like to pay with PayBright and that you have already completed the Prequalify step. 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.

To learn more about PayBright and credit checks, please read this helpful FAQ article on the PayBright help site.

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

Unfortunately, PayBright is not able to provide payment plans to every applicant. This could be due to the information on your creditfile, or because PayBright was  not able to verify your identity or your payment method.

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.

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.

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.

For more information on late or NSF fees, please see this FAQ article on the PayBright help site.

Purchases made using PayBright are subject to Cellcom’s standard return policy. Any returns will be processed by Cellcom, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If the Cellcom 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 Cellcom’s return policy here.

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