PayBright Payment Plans

 Pay in 12 monthly installments for purchases from $500+ with PayBright*

paybright-updated-version.jpg has arranged for PayBright to offer convenient installment plans where you can buy now and spread out the cost of your cart over time. 

How do I use PayBright payment plans?

Using PayBright payment plans to pay for your purchase is easy:

1.     Complete PayBright’s Applicaiton for a purchase you are thinking of making.

2.     If approved, you are instantly given a PayBright virtual card number to use on, valid for one purchase.

3.     Complete your purchase on by choosing the credit card options, and entering in the details of your PayBright virtual card.


 More reasons to shop with PayBright payment plans on Atlas Tools & Machinery


Frequently Asked Questions - PayBright Payment Plans

What is a PayBright payment plan?

Our plans allow you to break down the cost of an expensive purchase into a series of affordable monthly installments. This allows you to complete your purchase with confidence.

What are the interest rates on PayBright payments plans?

Our interest rates typically start from 7.95% and the exact rate depends on the quality of your credit. The large majority of our customers pay less than typical credit card interest rates. Our goal is to provide financing options for as many applicants as possible - and always to provide an affordable monthly payment! Some of our plans also include a small monthly processing fee with each payment. We don't charge any other service fees, prepayment fees, or any other hidden fees. We seek to have the highest standards of transparency so that charges are always fully clear to our customers. The exact APR (Annual Percentage Rate) that applies to your transaction will be calculated and shown to you before you finalize your transaction.

Does PayBright check my credit?

Yes. We do an instant credit check with a bureau

If I have question about my account do I contact the merchant or PayBright?

Please contact PayBright directly, as your merchant does not have access to all the details of your account.

Where can I use my Virtual Card?

Your PayBright Virtual Card can only be used on, for CAD or USD purchases.

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. You will not need to complete a new application for the new virtual card once you’ve already been approved.

What happens if I have multiple items in my cart?

Your PayBright Virtual Card can be used for one single purchase payment on, regardless of how many items you are buying with that purchase.

How do I use my Virtual Card?

You can use your card when you check out on 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 on 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.

Will my payment plan terms be adjusted to reflect the actual purchase amount?

When you apply for a PayBright Virtual Card, PayBright show you the expected installment payment amount and other payment plan terms based on the purchase amount you enter. If the final purchase amount varies from the original amount entered, your installment payment amount and other payment plan terms will adjust automatically. PayBright will email you a copy confirming your final installment amount and all the details of your payment plan.

What happens to any unused approval amount? Does my card expire?

You can use PayBright to make a single purchase that is less than or equal to your approved amount. Your approval amount with PayBright will remain valid until the first time you use your card, or your card expires. Once the card expires, you can quickly create a new PayBright virtual card by clicking on the link in the email or text message you receive from PayBright and following a few short steps. You will not need to complete a new application for the new virtual card once you’ve already been approved.

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.

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 on the PayBright website here.

I have a question. Who do I contact?

Contact for questions regarding your purchase. Contact PayBright for questions regarding your credit, by calling 1-877-276-2780.

Some conditions apply and all transactions are subject to approval by PayBright. Your monthly payment amount and the interest you will pay depend on your personal credit profile (between 7.95% and 19.95%). Monthly payments may include a processing fee of $6.95



*In $CAD. Subject to credit approval. Applies to purchases made within 24 hours of credit approval. Clicking Apply now will take you to PayBright’s application page.