Spread the cost of a purchase over $300 into 6-36 easy monthly payments*. Just choose PayBright at checkout.  

(*Subject to credit approval.) 


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.  

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 method of payment. *  

*Available payment methods may vary depending on the payment plan selected. 

1. Select PayBright at checkout: Shop at your favourite stores that offer PayBright and select us as your payment method at checkout. 

2. Get set up: Use your mobile phone number to set up your PayBright plan within 60 seconds. 

3. Enjoy your purchase!: Confirm your payment plan and then you’re done! Enjoy your purchase today and pay later. 


PayBright is one of Canada’s leading installment payment providers. When you use PayBright to pay at Wise Line Tools 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 $300 and $15,000 (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. Wise Line Tools will process and ship your order as usual. 

4. Make 6 to 36 monthly payment 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.

Yes. You’ll need: 


To be the age of majority in your province  

-To be a resident of Canada 

-Depending on the plan you select, options include a Canadian bank account, or a 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 

At checkout, you will set up convenient, pre-authorized monthly payments that will be debited/charged to your Canadian bank account, or a Visa/Mastercard credit/debit card.

PayBright currently accepts pre-authorized debits from your Canadian bank account. Debit cards must have the Visa or Mastercard logo. Please note that prepaid cards are not accepted.

You can use PayBright on Wiselinetools.ca. The limit can be used across the merchant network and will be updated based on your repayment history and merchant type.

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

To learn more about PayBright and credit checks, please read this helpful FAQ article on the PayBright help site.

For more information on late or NSF fees, please see this FAQ article 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.

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

Please use an alternate payment method to complete your purchase.

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 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.

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.

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.

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. 

Purchases made using PayBright are subject to Wise Line Tools standard return policy. Any returns will be processed by Wise Line Tools, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If the Wise Line Tools 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 Wise Line Tools return policy here.

PayBright will take convenient pre-authorized payments from your selected payment method.

PayBright payment plans are available for orders from $300 to $15,000.

For more information on interest or fees, please see this helpful article on the PayBright help site.

You can find them here.

For further information, please refer to PayBright’sFAQ page.

*Monthly payment amounts, interest, and loan terms may depend on your personal credit profile. Some conditions apply. All transactions are subject to approval by PayBright. Loan offers may vary for customers in the province of Quebec. Please see terms for full details. 


*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 Wise Line Tools 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. 


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