PayBright Payment Option – Planet Deluxe

SHOP NOW, PAY LATER WITH PAYBRIGHT


Introducing a new payment option from 
the partnership between PayBright and Planet DeluxeTM
Now you can enjoy designer fashion goods sooner 

Choose a plan that meets your need
PAY MONTHLY










3 equal monthly payments interest free
OR 
6/ 9/ 12 regular interest equal monthly payments for purchases over CA$1000
PAY IN 4











4 biweekly, interest - free payments for purchases under CA$1000.
WHAT IS PAYBRIGHT?

PayBright is Canada's leading installment payment platform, providing shoppers with buy now, pay later solution s 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.
HOW DO I USE PAYBRIGHT?

01
SHOP

Browse Planet Deluxe TM and add your favourite finds to your shopping carts
04
Pay

The remaining payments are charged to your debit, credit card or be drawn from your bank account according to your choice of payment plan
03
Checkout

Complete your purchase with your first equal payment.
Pay the rest in equal payment amounts according to your choice of plan
02
Select

When you reach checkout, choose PayBright as your payment method
WHY USE PAYBRIGHT?

No impact on credit score
Using a PAY IN 4 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

Shop

Browse Planet DeluxeTMand add your favourite finds to your shopping carts.
Select

When you reach checkout, Choose PayBright as your payment method.
Checkout

Complete your purchase with your first  equal payment.
Pay the rest in equal payment amounts according to your choice of plan.
Pay

The remaining payments are charged to your debit, credit card or be drawn from your bank account according to your choice of payment plan 

Payment PLAN EXAMPLES

Pay in 4 Payment plan

Purchase 
Amount 
Bi-Weekly 
Payments
Number 
of 
Payments
Total 
Interest 
Charges
Total 
Cost of 
Borrowing
Total
Repayment
Amount
Annual Percentage 
Rate (APR)
CA$100
CA$25
4
CA$0
CA$0
CA$100
0.00%

3 Equal Monthly Payment plan

Purchase 
Amount 
Monthly
Payments
Number 
of 
Payments
Total 
Interest 
Charges
Total 
Cost of 
Borrowing
Total
Repayment
Amount
Annual Percentage 
Rate (APR)
CA$3000
$1000
3
CA$0
CA$0
CA$3000
0.00%

9 Equal Monthly Payment plan

Purchase 
Amount 
Monthly
Payments
Number 
of 
Payments
Total 
Interest 
Charges
Total 
Cost of 
Borrowing
Total
Repayment
Amount
Annual Percentage 
Rate (APR)
CA$9000
 $1000 + Interest
9
Varies
Varies
CA$9000+ interest
PayBright's

FAQs

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' or other monthly payment plans 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 our webiste at www.planetdeluxe.ca or in our store at 4055-99 Saint Catherine St. West, Westmount, QC H3DZ 3J8
DOES PAYBRIGHT DO A CREDIT CHECK?
Using PAY IN 4 will not affec your credit score. For Pay Monthly, 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.
HOW DO I MAKE MY PAYMENTS?
For PAY IN 4 and 3 equal monthly payment plan:
At checkout, you will set up 4 convenient, automatic pre-authorized payments that debited/ charged your Canadian Visa/ Mastercard debit/ credit card for the PAY IN 4 plan. For 3 Equal monthly payment plan, you will be linked directly to your back account or your credit card for monthly withdrawals.
For other PAY MONTHLY plans:
PayBright will help you set up convenient, pre-authorized payments via your bank account or a Canadian bank account, or a Visa/ Mastercard credit/ debit card.
WHICH PAYMENT METHODS ARE ACCEPTED?
PayBright currently accepts pre-authorized debits from your Canadian bank account, or Visa and Mastercard credit or debit cards. 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 helpful article on the PayBright help site.
WHAT IF I GET DECLINED FROM USING PAYBRIGHT?
Please use an alternate payment method to complete your purchase.
I WAS NOT ABLE TO COMPLETE A PAYBRIGHT TRANSACTION. WHAT HAPPENDED?
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.
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.
HOW DOES PAYBRIGHT WORK?
For PAY IN 4 and 3 equal monthly payments plan:
PayBright is Canada's leading installment payment provider. When you use PayBright to pay at Planet DeluxeTM's checkout, you can split your puchase into 4 biweekly interest-free payments or 3 equal monthly payments. To use PayBright as your preferred payment choice at checkout:
1
Add items to your shopping cart as usual.
2
Choose PayBright at checkout and enter a few details.
3
Your purchase will then be split into 4 equal interest-free payments or 3 equal monthly payments
For other Pay Monthly plans: 
PayBright is Canada's leading installment payment provider. When you use PayBright to pay at Planet DeluxeTM's checkout, you can split your puchase into 4 biweekly interest-free payments or 3 equal monthly payments. To use PayBright as your preferred payment choice at checkout:
1
lAdd items to your shopping cart as usual, and select PayBright as your payment method at checkout for orders over CA$1000 (before 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. Planet Deluxe TM will process and ship your order as usual.
4
Make customize payment frequency, i.e. 6, 9 or 12 monthly payments to PayBright while you enjoy your purchase.
HOW DO RETURNS WORK IF I PAID USING PAYBRIGHT?
Purchases made using PayBright are subject to Planet Deluxe TM standard return policy. Any returns will be processed by Planet Deluxe TM, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If the Planet Deluxe TM 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 Planet Deluxe TM's Return and Refunds policy.
WHERE CAN I FIND PAYBRIGHT'S TERMS AND CONDITIONS?
You can find them here.
WHY DON'T I SEE PAYBRIGHT AS A PAYMENT OPTION AT CHECKOUT?
If your retailer offers PayBright, but you don't see it as a payment option, please see this helpfulFAQ article on the PayBright help site.
CAN I PREPAY MY OUTSTANDING PAYBRIGHT BALANCE?
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.
HOW MUCH CAN I SPEND WITH PAYBRIGHT?
PayBright payment plans are available for orders from Planet Deluxe TM on order of any price.
IS THERE AN ANNUAL FEE?
For more information on related fees, please see these helpfulFAQ articles on the PayBright help site.
IF THE ORDER TOTAL CHANGES, HOW DOES THAT AFFECT MY BIWEEKLY PAYMENTS?
If your order total changes for any reason, your payment plan will be adjusted accordingly.
WHEN WILL MY PAYMENTS BEGIN? AND WHAT IF I HAVE PRE-ORDER PRODUCTS?
Please refer to the payment plan agreement for all of your payment schedule information.
WHAT IF I HAVEN'T RECEIVED AN EMAIL REGARDING MY PAYMENT PLAN, OR IF I NEED ADDITIONAL  HELP WITH MY PAYMENT PLAN?
For help with payment information, or if you haven't received your PayBright email confirmation, please contact the PayBright team via their website.
WHAT THE ORDER IS CANCELED? WILL I STILL BE CHARGED?
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.
HOW LONG DOES IT TAKE TO REVERSE A PENDING PAYBRIGHT AUTHORIZATION ON MY CREDIT CARD?
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.
I STILL HAVE QUESTIONS.
For further information, please refer to PayBright's FAQ 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. Monthly payments may include a processing fee of up to $6.96. Loan offers may vary for customers in the province of Quebec.

 * Certain conditions apply and all transactions are subject to approval by PayBright. The amount of your monthly payment and the interest you will pay depend on your credit report. Monthly payments include a processing fee of up to $6.95 (One to four dollars) depending on the amount of your purchase. 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 Planet Deluxe TM has no influence over whether your payment with PayBright is accepted or not. If you have any trouble with your order, please contact PayBright via their website contact form.