Buy now, pay monthly with

Spread the cost of your purchase into easy monthly payments.  

Hiddenbed Direct has partnered with PayBright to offer customers the
option to buy now, and pay over time with PayBright’s Virtual Card.

Why use PayBright's Virtual Card?

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.

Prequalify before purchase

Apply for a PayBright plan in less than
60 seconds.
Get your PayBright spending limit while you’re still shopping. 

Convenient checkout

Place your order quickly and easily using the PayBright Virtual Card
as your payment choice at checkout.

Easy payments

PayBright will automatically debit/charge monthly payments using your

preferred payment method:

a bank account or Visa/Masterard

debit/credit card.

The first 10 customers who select pay over time with PayBright at checkout

will get a rolling nightstand & memory foam mattress for free!

PROMO CODE:   Paybright2021  

Add a Rolling Nightstand & Memory Foam Mattress to your cart and use this promo code to qualify!

How do I use PayBright?


Get started by completing PayBright’s short application for the purchase you are thinking of making.


If approved, you are instantly given a PayBright
Virtual Card number
to use in our eStore, valid for one purchase.


Complete your purchase in your cart by choosing the
credit card option, and entering in the details of your PayBright
Virtual Card.


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Pay as low as $78.23/month with 



Financing is based on your credit report application.

Frequently Asked Questions

PayBright Financing

How do I make my payments?

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.

Where can I use my PayBright spending limit?

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.

Are there requirements to use PayBright?

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

Which payment methods are accepted?

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.

Is there an annual fee?

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

Does PayBright do a credit check?

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

Are there late or NSF fees?

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

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.

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.

What if I get declined from using PayBright?

Please use an alternate payment method to complete your purchase.

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

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.

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.

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 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.

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.

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

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.

How do returns work if I paid using PayBright?

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.

How much can I spend with PayBright?

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

What is PayBright's interest rate?

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.

Where can I find PayBright’s Terms and Conditions?

You can find them here.

I still have questions. Who do I contact?

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

How do I apply?

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.

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

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.

Virtual Card

How do I use my Virtual Card?

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.

What is the limit of my Virtual Card?

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.

Where can I use my Virtual Card?

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

Can my Virtual Card be used multiple times?

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.

What happens if I have multiple items in my cart?

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.

Does my card expire?

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

Where can I find my Virtual Card after I apply?

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.

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