Buy now, pay later with PayBright
PAY IN 4
Four biweekly, interest-free payments are automatically charged to your Visa or Mastercard debit or credit card for purchases under $1500. 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 favorite 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 "PAY IN 4" PAYBRIGHT PAYMENT PLAN?
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.
HOW DO I USE PAYBRIGHT?
Shop
Browse Kanuk's website and add your favorite finds to your shopping cart.
Select
When you reach checkout, choose PayBright as your payment method.
Checkout
Complete your purchase and pay later in 4 equal payments.
Pay
The remaining 3 payments are charged to your debit or credit card every two weeks.
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.
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 Kanuk’s standard return policy. Any returns will be processed by Kanuk, and your PayBright balance will be reduced, canceled, or refunded accordingly. If Kanuk 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 Kanuk’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 USING PAYBRIGHT?
For help with your payment plan or if you haven’t received your confirmation email, please contact PayBright via their website.
I STILL HAVE QUESTIONS.
For further information, please refer to PayBright’s FAQ page.
PAY MONTHLY
Spread the cost of a purchase over $1500 into 6 or 12 easy monthly payments (subject to credit approval.) Just select PayBright at checkout.
WHY USE "PAY MONTHLY" PAYBRIGHT PAYMENT PLAN?
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
Browse Kanuk's website and add your favorite finds to your shopping cart. When you reach checkout, choose PayBright as your payment method.
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.
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 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.
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.
WHAT IS PAYBRIGHT'S INTEREST RATE?
For more information on interest or fees, please see this helpful article on the PayBright help site.
I WAS NOT ABLE TO COMPLETE A PAYBRIGHT TRANSACTION. WHAT HAPPENED?
Unfortunately, PayBright is not able to provide payment plans for 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.
WHICH PAYMENT METHODS ARE ACCEPTED?
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.
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 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 Kanuk’s standard return policy. Any returns will be processed by Kanuk, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If Kanuk 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 Kanuk’s return policy here [LINK TO MERCHANT RETURN POLICY].
I STILL HAVE QUESTIONS.
For further information, please refer to PayBright’s FAQ page.