Shop now, pay later with PayBright
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, 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?
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.
PayBright will automatically debit payments from your chosen Visa or Mastercard debit or credit card, interest-free.
How do I use PayBright?
Shop: Browse [MERCHANT] and add your favourite 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.
See guidelines for payments table in the Quebec Marketing Guidelines.
Frequently Asked Questions
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 www.thegemboutique.ca
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 of 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 The Gem Boutique’s standard return policy. Any returns will be processed by The Gem Boutique, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If The Gem Boutique 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 The Gem Boutique’s return policy here.