Buy now, pay monthly with

Question 1

How do I make my payments?

Answer

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.

Question 2

Where can I use my PayBright spending limit?

Answer

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

Question 3

Are there requirements to use PayBright?

Answer

Yes. You’ll need: - to be 18+ years old - to be a resident of Canada - 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

Question 4

Which payment methods are accepted?

Answer

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. For interest-bearing payment plans, you may use a bank account, or a debit card with the Visa or Mastercard logo.

Question 5

Is there an annual fee?

Answer

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

Question 6

Does PayBright do a credit check?

Answer

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

Question 7

Are there late or NSF fees?

Answer

For more information on late or NSF fees, please see this FAQ article on the PayBright help site.

Question 8

What if I haven't received an email regarding my payment plan, or if I need additional help with my payment plan?

Answer

For help with payment information, or if you haven't received your PayBright email confirmation, please contact the PayBright team via their website.

Question 9

Can I prepay my outstanding PayBright balance?

Answer

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.

Question 10

What if I get declined from using PayBright?

Answer

Please use an alternate payment method to complete your purchase.

Question 11

When will my payments begin? And what if I have pre-order products?

Answer

Your first payment is typically due one month after you complete your transaction, and will continue to be debited automatically on the same day of each month for the rest of the term. To view your payment schedule for a monthly payment plan, log into your PayBright account and click View Payment Schedule.

Question 12

How long does it take to reverse a pending PayBright authorization on my credit card?

Answer

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.

Question 13

How can I track my payments and access my PayBright account?

Answer

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.

Question 14

What if the order is canceled? Will I still be charged?

Answer

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.

Question 15

What if I can’t make a payment?

Answer

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.

Question 16

I was not able to complete a PayBright transaction. What happened?

Answer

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.

Question 17

How do returns work if I paid using PayBright?

Answer

Purchases made using PayBright are subject to Hiddenbed Direct’s sales and return policy. Any returns will be processed by Hiddenbed Direct, and your PayBright balance will be reduced, cancelled, or refunded accordingly. For information on returns, review Hiddenbed Direct’s return policy here.

Question 18

How much can I spend with PayBright?

Answer

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

Question 19

What is PayBright's interest rate?

Answer

Your monthly payment amount, the interest you will pay, and the loan terms available depend on your personal credit profile. For more information on interest or fees, please see this helpful article on the PayBright help site.

Question 20

Where can I find PayBright’s Terms and Conditions?

Answer

You can find them here.

Question 21

I still have questions. Who do I contact?

Answer

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

Question 22

How do I apply?

Answer

If your basket is eligible for monthly payments with PayBright, 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.

Question 23

How can I access information about my installment amount and terms?

Answer

You will get an email from PayBright confirming your payment plan terms and installment amount. More information can be found on the PayBright website here.

Question 24

How do I use my Virtual Card?

Answer

You can use your card when you reach checkout. Simply select “Visa” as the payment option and enter in your PayBright Virtual Card details (first and last name, credit card number, CVV) in the credit card payment field.

Question 25

What is the limit of my Virtual Card?

Answer

You can use this card for one purchase of up to your approval amount. PayBright will fund your card with your approved amount and the card will expire immediately after you use it.

Question 26

Where can I use my Virtual Card?

Answer

Your PayBright Virtual Card can only be used on Hiddenbed Direct’s online store.

Question 27

Can my Virtual Card be used multiple times?

Answer

No. The Virtual Card is a one-time-use card and can only be used for a single purchase. To make another purchase using Paybright, you can generate another card by clicking on the link in the email or text message you receive from PayBright and following a few short steps.

Question 28

What happens if I have multiple items in my cart?

Answer

Your PayBright Virtual Card can be used for one single purchase payment in Hiddenbed Direct’s online store, regardless of how many items you are buying with that purchase.

Question 29

Does my card expire?

Answer

For more information, please see this helpful FAQ article on the PayBright help site.

Question 30

Where can I find my Virtual Card after I apply?

Answer

To access your Virtual Card, PayBright will send you an email and text confirmation with a link to your Virtual Card. Click the link to access your card.