Skip to main content

Real Business Results

Drive Sales

Offering more options for shoppers to pay increases overall conversions.

Grow Average Order Value

Shoppers can pay for larger items with a pay‑over‑time solution.

Reduce Abandoned Carts

Buying decisions for shoppers become easier when the costs can be split over time across multiple payments.

Give Your Customers More Ways to Pay with PayPlan by RBC

PayPlan by RBC gives your customers the option to pay for items over time on the terms that work best for them through a simple, positive payment experience that supports strong, lasting relationships. If you are a consumer, find out more here.

Benefits for Merchants

Pay with Credit or Debit. For as low as $10/month with PayPlan

Seamless Integration

PayPlan by RBC integrates smoothly with your existing e-commerce platform.

Customers Receive Instant Decision

RBC® quickly approves qualified customers and finances loans in equal monthly instalment payments.

Flexible Financing Options

Offer your customers flexibility with payment terms of 6-36 months and interest rates as low as 0%1. Plus, there’s no penalty for paying off the loan early.

Peace of Mind With RBC® Accountability

PayPlan by RBC handles collections and customer service on the loan, so you don’t have to.

Get started with PayPlan by RBC

Brands Using PayPlan by RBC

Microsoft
Walmart
EB Games

How it Works

  1. Sign up for PayPlan by RBC

    PayPlan by RBC integrates with your existing e-commerce platform and will be presented to shoppers as an alternative payment option.

  2. Deliver a Smooth Checkout Experience

    Once shoppers receive their approval, they can choose their rate, term and monthly payment amounts. All without leaving your site.

  3. Receive Your Funds

    You will receive your funds within as little as 2 days.

Seamless Integration With Your E-Commerce Platform

PayPlan by RBC seamlessly integrates into your existing online checkout experience. Below are just a few of the many platforms we work with.

shopify
Magento
Salesforce commerce cloud

Frequently Asked Questions

With PayPlan by RBC, you’re paid upfront and in full, minus a merchant discount fee. Payment is typically made within in as little as 2 business days of requesting settlement.
PayPlan by RBC will handle all loan repayment and fraud issues.
PayPlan by RBC offers both 0% APR and interest-positive programs, along with a variety of terms based on your needs.
Integration is quick and seamless. PayPlan by RBC supports many of the leading e-commerce platforms and we have a flexible API to support custom builds for our merchant partners.
PayPlan by RBC partners with merchants across numerous industries. Please reach out to see how you can add PayPlan by RBC to your site and offer a simple and convenient way to pay over time. Contact our team at payplan@rbc.com and an RBC representative will be in touch shortly with more information.
PayPlan by RBC is a frictionless e-commerce solution provided by Canada’s largest bank. PayPlan by RBC is designed to enable merchants to provide their customers with a simple and convenient way to pay over time. Merchants get paid upfront and RBC takes on most of the repayment risk. Merchants choose PayPlan by RBC because of our unique full-funnel, white-label solution outperforms others in terms of unlocking revenue, and boosting AOV and customer lifetime value.
There is no upfront or monthly cost to offering PayPlan by RBC. There will be a per transaction merchant discount fee based on the financing program you select.
The customer is notified in real-time during the application process that they did not qualify for financing. We work with you to bring the customer back to the checkout page and communicate the availability of other payment options.
PayPlan by RBC is available to all customers who bank with a Canadian financial institution and in all provinces.
Absolutely! The PayPlan by RBC financing program is flexible – you can customize the financing program to best fit your needs.
PayPlan by RBC integrates with a merchant’s e-commerce platform and is presented to the consumer at checkout as an alternative payment option. Contact our team at payplan@rbc.com and an RBC representative will be in touch shortly with more information on how you can offer PayPlan by RBC to your customers.
Getting started with PayPlan by RBC is easy! PayPlan by RBC supports many of the leading e-commerce platforms and our integration is quick and seamless. Your customers simply apply online and learn if they are pre-qualified and check-out in real-time, all without ever leaving your site.
PayPlan by RBC is a pay-over-time solution that helps you make purchases with equal monthly payments. When you check out with PayPlan by RBC, you agree to accept the terms of taking an instalment loan from RBC.
RBC Royal Bank of Canada is the the lender for all PayPlan by RBC loans.
Our goal is to make your purchases more manageable by helping you pay in a way that fits your budget. The PayPlan by RBC loan includes straightforward, easy-to-understand terms for fair, transparent lending.
Safeguarding your personal information is very important to us. All PayPlan by RBC checkouts use HTTPS secure encryption when transmitting data.
If you have a complaint about your experience with the retailer, please contact the retailer’s support team directly.
  • If you experience a problem with your PayPlan by RBC loan you can contact the PayPlan Customer Relations Centre at 1‑844‑915‑2211.
  • If PayPlan Customer Relations Centre is not able to resolve your problem, we encourage you to submit your concern securely and electronically via RBC’s “Make a Complaint” online submission tool at www.rbc.com/customercare(opens new window). You can also contact the RBC Client Care Centre by phone at 1‑800‑769‑2540 or by mail at Client Care Centre Royal Bank Plaza, PO Box 1 Toronto, ON M5J 2J5.
  • If RBC Client Care Centre is not able to resolve, you may contact the office of the RBC Ombudsman and submit your complaint electronically at www.rbc.com/customercare(opens new window). You can also contact the office of the RBC Ombudsman by email at ombudsman@rbc.com, by phone at 1‑800‑769‑2542, by fax to 416‑974‑6922, or by mail at P.O. Box 1, Royal Bank Plaza, Toronto, Ontario M5J 2J5.
  • If you are not satisfied with how we have dealt with your concerns, please write to: Financial Consumer Agency of Canada (“FCAC”), 427 Laurier Avenue West, 6th Floor, Ottawa, Ontario K1R 1B9; or you may contact the FCAC through its website at www.fcac-acfc.gc.ca(opens new window) or through its Consumer Contact Centre at 1‑866‑461‑3222.
You will be given the option to apply for PayPlan by RBC in the checkout flow of any participating retailer and follow the prompts to pre-qualify, review and accept your terms, and complete checkout. Applying is quick and straight forward.
No. When you finance a purchase with PayPlan by RBC you are applying for an instalment loan with equal monthly payments from RBC.
Pre-qualifying for a PayPlan by RBC loan only results in a soft inquiry and will not affect your credit score. If you accept your loan terms, and complete checkout a credit check will be performed which may have impact to your credit score.
PayPlan by RBC does not currently report loan status to the credit bureaus but we reserve the right to do so in the future.

Get Started with PayPlan by RBC

Fill out this simple form and our team will get back to you as soon as possible.

Qualification requirements: E-commerce Platform; minimum $1,000,000 processing volume in annual e-commerce sales; business to consumer sales

All fields required unless indicated optional.

Error: TBD
Error: TBD
Error: TBD
Error: TBD
Error: TBD
Error: TBD
Error: TBD
Error: TBD
Error: TBD

Thank you for your submission.

A PayPlan associate will get back to you shortly.

We're sorry.

Your form did not get submitted. Please contact payplan@rbc.com.

Legal Disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.