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Grow Your business and Give Your Customers a Better Shopping Experience
Find it. Buy it. Pay over time.
To make a payment online click here.
PayPlan by RBC lets your customers pay for larger purchases over time. The application process is easy and fast. Your customers can get results in minutes and there are no hidden fees. You get paid up front so both stores and shoppers alike can feel good about using PayPlan at checkout.
Grow your business
Turn more browsers into buyers with little effort. We’ll do all the work to deliver a best-in-class shopping experience for your customers.
Easy set-up
There’s no development work on your part and PayPlan will easily integrate into your existing site.
Dedicated support team
You and your customers are always supported. We provide ongoing technical and customer service to address any questions or issues.
How it Works
Why your customers will love PayPlan
- Quick and easy way to pay for their purchases
- Helps customers stick to their budget
- No extra app – they stay on your site to apply and buy
- Minimal information needed for approval
Why you’ll love PayPlan
- Get paid upfront with no loan risk
- No upfront costs or monthly maintenance fees
- Customers stay on your website to apply
- Easy checkout makes for more sales
Get Started with PayPlan by RBC
Fill out this simple form and we can get you set up in as little as 3 days.
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Trusted by Major Brands and Retailers
Some of the most popular brands in Canada use PayPlan to help grow sales by simplifying their customers’ in-store and online purchase experience.
Hear What Other Merchants Have to Say
“Integrating of PayPlan by RBC into our website has been a game-changer. The ease of integration, coupled with the excellent support we receive, has made it a pleasure to work with their incredible team. Our sales conversion has experienced a remarkable boost, bringing us closer to our business goals. I highly recommend PayPlan by RBC to any merchant looking to enhance their customer experience and drive sales growth.”
Mike R., Nikon Canada Inc.
“RBC is a trusted name. It really offers peace of mind during the whole process. It is easy to apply, and PayPlan offers good interest rates.”
Dean Z., EMMO Inc.
“PayPlan integration with our Shopify platform was a seamless process. PayPlan has provided fantastic customer service and allowed us to run various promotions using different financing tools.”
Alexander M., Bicicletta.cc
“AOV for financed orders is ~100% higher than non-financed orders. We’ve found that most of our customers utilizing financing have done so to add higher ticket products and additional items to their carts.”
Chris S., Woodland Mills
Frequently Asked Questions
Here are some of the most common questions about PayPlan. Or view our full list of FAQs here.
Already a merchant?
More transparency. More flexibility. Rates as
low as 0%legal disclaimer1 APR.
PayPlan by RBC lets you make larger purchases and pay for them over time in a way that works with your
monthly budget. It’s a simple choice at checkout that can make buying and budgeting easier.
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Fit larger purchases into your monthly budget
With multiple payment terms and rates, choose the plan that works for you.
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Backed by RBC
The only Buy Now, Pay Later solution backed by a Canadian bank. It’s a brand you can trust at checkout and beyond.
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Apply directly through the retailer’s website
There’s no extra window, redirects or separate app to download.
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No hidden fees. No surprises.
You’ll always know how much you’re paying and when you’re paying, up front. No penalties, no hidden fees, full transparency.
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Lower rates than most credit cards
Save on interest costs for items you need some time to pay off. And applying does not impact your credit score.
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Available to all Canadians
You don’t need to be an RBC customer to use PayPlan by RBC.
How it Works
Choose PayPlan by RBC at checkout as your payment option when shopping online. When using PayPlan in-store at select retailers, simply look for the QR code to get started. Complete a quick and easy application. There's no impact to your credit score and you get results in minutes.
Pick a plan that fits your budget and agree to the loan terms.
Continue with your purchase with PayPlan by RBC and enjoy!
Trusted by Major Brands and Retailers
Frequently Asked Questions
To Make a Payment Online
Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.
Merchants across numerous industries can integrate the PayPlan by RBC pay over time payment option into their points of sale. PayPlan by RBC applicants must be Canadian residents who hold a Canadian bank account and must be over the age of majority in the province that they reside. There is no upfront or monthly cost to offering PayPlan by RBC. The merchant is paid upfront and in full, minus a per transaction merchant discount fee based on the financing program selected.
Personal lending products are offered by RBC Ampli Inc. and are subject to its standard lending criteria.
Merchants across numerous industries can integrate the PayPlan by RBC pay over time payment option into their points of sale. PayPlan by RBC applicants must be Canadian residents who hold a Canadian bank account and must be over the age of majority in the province that they reside. There is no upfront or monthly cost to offering PayPlan by RBC. The merchant is paid upfront and in full, minus a per transaction merchant discount fee based on the financing program selected.