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Buy now, pay later with PayBright

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

Pay Monthly:
Spread the cost of any purchase over $1000 into 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 checkout, 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?


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



Frequently Asked Questions: 


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

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. 

Using Pay in 4 will not affect your credit score.Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.

For Pay in 4: 
At checkout, you will set up 4 convenient, automatic pre-authorized payments that debited/charged your Canadian Visa/Mastercard debit/credit card.

For Monthly 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.

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.

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 Seated Home’s standard return policy. Any returns will be processed by Seated Home, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If Seated Home has provided a refund to you via a gift card, you must still continue repaying your installment plan in full. 

For help with your payment plan or if you haven’t received your confirmation email, please contact PayBright via their website.

Please use an alternate payment method to complete your purchase.

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

PayBright is Canada’s leading installment payment provider. When you use PayBright to pay at Seated Home’s checkout, you can split your purchase into 4 biweekly interest-free payments or 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.
    2.   Choose PayBright at checkout and enter a few details.
    3.   Your purchase will then either be split into 4 equal interest-free payments or be split into equal monthly payments based on the payment plan you selected (Pay in 4 or Pay monthly).

You can find them here.

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.

Sure, at any time! There are no penalties or fees for early repayments. To pay off your current balance, please send PayBright a message here.

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

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

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.

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.

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.

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

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.







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 Seated Home Inc. 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.