The signup and approval process for PayBright is fast and does not affect your credit score. To qualify, you must be a resident of Canada and be 18 years of age or older, have a credit payment history, have a Visa or Mastercard credit or debit card, have a Canadian phone number able to receive SMS, and meet the minimum cart size needed to use PayBright at checkout. You can look on each retailer’s website to see if you prequalify for PayBright.