Pay monthly over time with Paybright

What is PayBright?

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?


Frequently Asked Questions

Yes. You'll Need:
1. To be 18+ years old
2. To be a resident of Canada
3. A Canadian bank account, or a Visa/Mastercard credit/debit card. (Your debit card must have the Visa or Mastercard logo)
4. An SMS-capable Canadian phone number
5. To meet the minimum cart size required to use PayBright as a payment option at checkout

PayBright is Canada’s leading installment payment provider. When you use PayBright to pay at Swellfish Outdoor Equipment Co’s checkout, 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, and select PayBright as your payment method at checkout for orders between $XX and $15000 (including taxes and shipping).
2. Get set up: Use your mobile phone number to set up your PayBright plan within 60 seconds.
3. Confirm your payment plan with PayBright. Swellfish Outdoor Equipment Co will process and ship your order as usual.
4. Make 12 or 24 or 36 monthly payments to PayBright while you enjoy your purchase.

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.

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 credit file, 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 Swellfish Outdoor Equipment Co’s standard return policy. Any returns will be processed by Swellfish Outdoor Equipment Co, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If Swellfish Outdoor Equipment Co 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 Swellfish Outdoor Equipment Co’s return policy here.

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