Payment Provider

Key Data

  • Trading Name: PayBright
  • Legal Entity: Affirm Canada Holdings Ltd 
  • Activities: Payment Provider
  • Location: Toronto, CA
  • Regulations: Whitelabeled by Affirm
  • Key People: Wayne Pommen, President & CEO

PayBright is a Canadian company that specializes in providing installment payment plans for both e-commerce and in-store purchases. As a subsidiary of Affirm, PayBright has established itself as a leader in the field, offering a convenient and flexible payment solution to Canadian consumers.

Through partnerships with over 10,000 domestic and international retailers, PayBright enables customers to buy products and services instantly and defer the payment over a specific period. This “buy now, pay later” approach allows individuals to make purchases without the need for immediate full payment, making it easier to manage their finances and budget.

PayBright has provided Canadians with over $3 billion in spending power since inception.


PayBright offers several solutions to meet the diverse needs of Canadian consumers. Their main service are:

  1. Installment Payment Plans
  2. Deferred Payment Plans
  3. E-commerce Integration
  4. In-Store Financing
  5. Transparent Terms and Conditions
  6. Broad Retailer Network

Overall, PayBright offers a range of solutions that empower Canadian consumers to make purchases and pay for them over time, providing convenience, flexibility, and financial control.


  1. E-commerce
  2. Retail Stores
  3. Domestic Retailers: PayBright partners with a wide range of Canadian retailers, both online and offline.
  4. International Retailers: PayBright also offers its installment payment plans for purchases made from select international retailers


PayBright’s fees can vary depending on the specific installment payment plan and the terms agreed upon between the customer and the retailer.

Depending on:

  1. Interest-Free Installments
  2. Transparent Cost Disclosure
  3. No Hidden Fees
  4. Late Payment Fees
  5. Retailer-Specific Policies.

Their payment plans allows costumers to break down the cost of a purchase into a series of biweekly or monthly installments.

There are two models:


  1. Pay in 4: 4 interest-free biweekly payments for smaller purchases.
  2. Pay Monthly: Monthly payments over 6 to 60 months for larger purchases.

Customer review

4.9 stars with 64 Google reviews

4.5 stars with 9,014 Trustpilot reviews


Wayne Pommen, President & CEO


We could not find anything negative around Paybright and therefore rate it Green.


Rate and write a review

Your email address will not be published. Required fields are marked *