Shop now, pay later with PayBright
Feeling right at home is easier than ever. Shop for your favourite home decor styles today, and pay later with PayBright.
Why use PayBright?
- Quick and convenient checkout: Place your order quickly and easily by presenting your Virtual Card when you make a purchase in-store.
- Pay monthly: Pay over time in 6, 12, or 18 monthly payments. Purchases over $7,500 also qualify for 36, 48, or 60 monthly payments.
- 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.
How do I use PayBright?
- Get set up: Scan the QR code in-store to set up your PayBright plan within 60 seconds.
- Get approved: Confirm your payment plan and receive your Virtual Card.
- Enjoy your purchase!: Use your Virtual Card to make an in-store purchase at Urban Barn. Enjoy today and pay later.
How does PayBright work?
PayBright is Canada’s leading installment payment provider. When you use PayBright to pay in-store at Urban Barn, you can split your purchase into easy, automatic monthly payments.
To use PayBright as your preferred payment choice at checkout:
- Shop in-store at Urban Barn as usual. When you're ready to make a purchase, scan the QR code in-store to set up your PayBright plan within 60 seconds
- Get approved: Confirm your payment plan and receive your Virtual Card.
- Use your Virtual Card at checkout for orders between $500 and $15,000 (including taxes and shipping).
- Make 6, 12, or 18 monthly payments to PayBright while you enjoy your home decor. Purchases over $7,500 also qualify for 36, 48, or 60 monthly payments. .
How much can I spend with PayBright?
PayBright payment plans are available for purchases from $500 to $15,000.
What can I use my PayBright Virtual Card for?
Your Virtual Card may only be used in person at an Urban Barn store. PayBright is not accepted for online transactions or phone orders.
What can I use my PayBright Virtual Card for?
Your Virtual Card may only be used in person at an Urban Barn store. PayBright is not accepted for online transactions or phone orders.
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.
Are there requirements to use PayBright?
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
How can I check the status of an online order?
PayBright can not be used for online orders at this time.
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.
Can I use PayBright for only part of a purchase?
PayBright payment plans are applied to your entire order. To use PayBright for only part of your purchase, you'll need to complete two separate transactions with different payment methods.
What term length is available for my purchase?
Purchases between $500 and $7,500 are eligible for payment plans of 6, 12, or 18 months. Purchases over $7,500 up to $15,000 are eligible for payment plans of 6, 12, 18, 36, 48, or 60 months.
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 Urban Barn’s standard return policy. Any returns will be processed by Urban Barn, and your PayBright balance will be reduced, cancelled, or refunded accordingly. If Urban Barn 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 Urban Barn’s return policy here.
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.