Frequently Asked Questions

You can only make payments on your loan via Pre-Authorized Debit. You cannot make payments via credit card.

To make a payment online, visit members.rbcpayplan.com and enter the mobile phone number associated with your PayPlan by RBC account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

Customers can view their PayPlan payment schedule by logging into their account through the PayPlan website.

Your first payment will be due no fewer than 30 days from the date the retailer notifies RBC Ampli Inc. of your completed order. Subsequent payments are due on that date every month for the duration of your loan term. To view your payment schedule, visit members.rbcpayplan.com.

PayPlan by RBC will send reminders before your payment is due. You can also enroll in AutoPay by visiting members.rbcpayplan.com to set up recurring auto-payments

To enroll in AutoPay, visit members.rbcpayplan.com and enter the email address and mobile phone number associated with your PayPlan by RBC account. Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments

The term of the loan and the dates your payments are due are predetermined from the date that your order is placed. Currently, we offer terms from 6 – 60 months (depending on your purchase). Your first payment will be due no fewer than 30 days from the date of your completed order. Subsequent payments are due on that date every month for the duration of your loan term. To view your payment schedule, simply visit members.rbcpayplan.com.

To update your payment information online, visit members.rbcpayplan.com and enter the mobile phone number associated with your PayPlan by RBC account. Once logged in, you can update your payment account.

Yes. You can prepay anytime for all or part of your loan. There is never a penalty for paying early. Any prepayments will go directly towards your principal balance which may shorten the duration of your loan.

Paying back a portion of your loan early will not adjust your monthly installment amount. Any prepayments made will be applied toward your principal balance which may shorten the duration of your loan.

You can make additional payments to PayPlan at any time with no penalties. If you wish to make a payment in addition to your next installment payment, sign in to your account at members.rbcpayplan.com and follow the steps below:

1. Click “Make a Payment”, select “Pay other amount”.

2. Enter the amount you wish to pay and click “Continue to Payment”.

3. Add or select the bank account for your payment.

4. Select the checkbox that confirms you’ve reviewed the terms and then click “Submit Payment”.

If you don’t submit your payments by your due date, your account will be past due and collection activity may begin. Paying late may also impact your eligibility for future PayPlan by RBC loans.

If a payment to your PayPlan by RBC loan fails, PayPlan by RBC will attempt to re-process the payment within 5 business days. Common causes for failed payments are holds placed by the issuing bank, insufficient funds, or a recent update to the bank account numbers.

As a reminder, PayPlan by RBC only accepts payments made from Pre Authorized Debit. No other payment methods are accepted. If you have additional questions about a failed payment, please contact your bank for more information.

If you would like to view or update the payment method on your PayPlan by RBC loan, please visit members.rbcpayplan.com.

You access members.rbcpayplan.com to view your balance, make one-time payments, set up recurring payments, and view the details of your loan.

You can contact PayPlan by RBC’s Credit Management & Recoveries department at 844-983-0515. We are available between 8:00 a.m. to 9:00 p.m. (EST) Monday through Friday and 8:00 a.m. to 4:00 p.m. (EST) Saturday.

Unfortunately, no. The dates your payments are due are predetermined from the date that your order is settled. We apologize for any inconvenience this may cause

You cannot make payments via credit card.

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 installment loan from RBC Ampli Inc.

You can access members.rbcpayplan.com to view your balance, make one-time payments, set up recurring payments, and view the details of your loan.

A Cost Of Borrowing (COB) disclosure is a document extended to PayPlan buyers at the time of checkout detailing the debt the buyer has agreed to repay. This document will include the buyer’s interest rate, loan term, monthly due date, and total repayment amount by the paid-off date.

To view your COB, visit members.rbcpayplan.com If any updates are made to your COB throughout your repayment process, PayPlan will notify you immediately.

If you need support with your PayPlan by RBC loan you can contact the PayPlan Customer Relations Centre at 1-844-915-2211.

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 unable to resolve the problem, or at the client’s request, a complaint will be escalated to RBC Client Care by the PayPlan Customer Relations Centre.

If you have a complaint about your experience with a retailer, please contact the retailer’s support team directly.

PayPlan by RBC is a pay-over-time solution that helps you make purchases with equal monthly payments for the selected payment term and at the stated rate. When you sign the Cost Of Borrowing (COB) disclosure with PayPlan by RBC, you agree to accept the terms of taking an instalment loan from RBC Ampli Inc.

You will be given the option to apply for PayPlan by RBC in the checkout flow of any participating retailer. Follow the prompts to pre-qualify, review and accept your terms, and complete checkout. Applying is quick and easy.

PayPlan by RBC does not currently report loan status to the credit bureaus but we reserve the right to do so in the future.

You can download the PayPlan by RBC Wallet app here for Android or here for iOS. If you cannot find the PayPlan by RBC Wallet app, you will have to update your Operating System.

Once the PayPlan by RBC Wallet app is downloaded:
1. Close the PayPlan by RBC Wallet app if it is open
2. Log back into the PayPlan application
3. Use the Restore a Virtual Card feature – your funds are loaded onto a virtual card
4. Select the virtual card with the same date as the date of the loan you agreed to and want to use to checkout today. Note: You can only use the virtual card if the loan was agreed to within the past 7 days including today.
5. Select Proceed
6. For Samsung device users: You will also have to click the PayPlan by RBC icon in the URL

If you do not wish to download the PayPlan by RBC Wallet app:
Ensure the following settings are enabled:
Android phone
1. Operating System has been updated to Android 9 or higher
2. Google Play Instant setting is enabled in the Google Play Store

• Open the Google Play app > At the top right, tap the profile icon > Tap Settings > General > Google Play Instant > Turn on the ‘Upgrade web links’ option

3. Samsung device users: Open links in other apps setting is also enabled when in the Samsung Internet Browser

• Open the Samsung Internet Browser app > At the bottom right, tap on the icon with 3 horizontal lines > Tap Settings > Useful features > Turn on the ‘Open links in other apps’ option iPhone

1. Operating system has been updated to iOS 14 or higher
2. App Clip setting is enabled

• Open Settings > Tap Screen Time > Tap Content & Privacy Restrictions > Turn Off Content & Privacy Restrictions

Once this is done:
1. Log back into the PayPlan application
2. Use the Restore a Virtual Card feature
3. Select the virtual card with the same date as the date of the loan you agreed to and want to use to checkout today.
Note: You can only use the virtual card if the loan was agreed to within the past 7 days including today.

LEGAL
The PayPlan by RBC Wallet app is provided by RBC Ampli Inc. a wholly owned subsidiary of Royal Bank of Canada.
The PayPlan by RBC Wallet app allows users to add virtual cards to your mobile wallet.
You can uninstall the app at any time after adding your virtual card to your mobile wallet.
To uninstall the PayPlan by RBC Wallet app:

• For iOS devices: Highlight and hold down the PayPlan by RBC Wallet app icon on your screen. There will be an “x” mark located on the upper-right hand corner of the icon. Tap the “x” mark and the app will be automatically deleted from your device.
• For Android devices: Go to Settings. Select “Apps” (or “Application manager” on some devices). Locate and select the PayPlan by RBC Wallet app and then tap “Uninstall”. This will automatically delete the app from your device. For Android device users, the PayPlan by RBC Wallet app captures Device ID and Product Interaction data for the purposes of analyzing user behaviour within the PayPlan by RBC Wallet app. RBC Ampli Inc. cannot and will not identify you using this data. If you do not want data captured, you should not add the PayPlan by RBC loan funds to your mobile wallet. You are able to withdraw your consent by uninstalling the PayPlan by RBC Wallet app from your device.

If you download the PayPlan by RBC Wallet app, you must review, and are subject to, the terms & conditions found under the Legal link on www.rbc.com as well as the terms and conditions in your PayPlan by RBC loan agreement(s) and Third-Party Mobile Payment System – Terms and Conditions – PAYPLAN BY RBC LOAN FUNDS. Data received through this mobile app is encrypted and passed to mobile wallets solely for the purpose of in-app provisioning only.
This mobile app does not store any personal or user information. If you do not want data passed to your mobile wallet, you should not add your PayPlan by RBC funds to your mobile wallet. When you select to install the PayPlan by RBC Wallet app, you are consenting to any future updates or upgrades. Depending on your device, operating system or user-initiated settings, these might be automatically installed. You are able to withdraw your consent by uninstalling the PayPlan by RBC Wallet app from your device. Standard data rates may apply.

To view your account details, visit members.rbcpayplan.com.

To view your balance, visit members.rbcpayplan.com.

You will not be able to adjust your loan terms after checkout.

PayPlan by RBC does not consolidate multiple PayPlan by RBC loans into one PayPlan by RBC loan as each loan was generated for a particular checkout amount and has its own corresponding Personal Loan Agreement.

You will not receive paper monthly statements however you can print your transaction history from the online members portal. To view your payment schedule and account details, or to print your transaction history online, visit members.rbcpayplan.com. If you would like a paper copy of your personal loan agreement, or COB agreement please contact us at 844-915-2211.

To update your contact information, please sign in to your account at members.rbcpayplan.com.

Once you’ve logged in, click on “Account” to access your account details and update your contact information.

You cannot authorize any third parties to be permitted on your account.

To check on the status of your order, please reach out to the retailer directly.

No changes are allowed to an order that has already been placed with PayPlan by RBC financing. If you wish to cancel your order and start over, please contact the retailer directly for an order cancellation.

To inquire about a return, please contact the retailer directly. All returns are subject to the return policies of PayPlan by RBC’s retailers.

When a retailer processes a return to your PayPlan by RBC loan order, a partial or full refund will be automatically applied to your loan. Your PayPlan by RBC account status and loan balance will be adjusted accordingly. It can take up to 5 business days to to see the adjusted loan balance.

If a partial refund is issued to your PayPlan by RBC loan, your loan amount will be adjusted to reflect your new remaining balance. If a refund results in a credit balance on your loan account, the credit balance will be returned to you through the bank account used to make payments on your loan. This process can take up to 10 business days.

If you have not received all or part of your order, or if you have received damaged merchandise, please contact the retailer directly regarding shipping or to resolve the concerns.

To inquire about an order cancellation, please contact the retailer directly. All order cancellations are subject to the cancellation policies of PayPlan by RBC’s retailers.

When a retailer processes a cancellation to your PayPlan by RBC loan order, a partial or full refund will be automatically applied to your loan. Your account status and loan balance will be adjusted accordingly. It can take up to 5 business days to to see the adjusted loan balance.

If a partial cancellation is issued to your PayPlan by RBC loan, your loan amount will be adjusted to reflect your new remaining balance. If a cancellation results in a credit balance on your loan account, the credit balance will be returned to you through the bank account used to make payments on your loan. This process can take up to 10 business days.

f you have a concern regarding the products ordered, the delivery of your items, or a requested cancellation or return, please contact the retailer directly to resolve the concerns.

If the retailer is unresponsive to your query, please contact our Member Support team.

To inquire about a return, please contact the retailer directly. All returns are subject to the return policies of PayPlan by RBC’s retail partners.

When a retailer processes a return to your PayPlan by RBC loan order, a partial or full refund will be automatically applied to your loan. Your PayPlan by RBC account status and loan balance will be adjusted accordingly. It can take up to 5 business days to see the adjusted loan balance.

If a partial refund is issued to your PayPlan by RBC loan, your loan amount will be adjusted to reflect your new remaining balance. If a refund results in a credit balance on your loan account, the credit balance will be returned to you through the bank account used to make payments on your loan. This pr+D75:D76ocess can take up to 10 business days.

Returns and cancellations are subject to the policies of PayPlan by RBC’s retail partners. When a retailer processes a return or cancellation to your PayPlan by RBC loan order, a partial or full refund will be automatically applied to your loan. Your account status and loan balance will be adjusted accordingly. It can take up to 5 business days to to see the adjusted loan balance.

If a partial refund is issued to your PayPlan by RBC loan, your loan amount will be adjusted to reflect your new remaining balance. If a refund results in a credit balance on your loan account, the credit balance will be returned to you through the bank account used to make payments on your loan. This process can take up to 10 business days.

If your requested cancellation or return is not reflected on your account, please contact the retailer directly to check on the status of your request. If you are still are having difficulty after contacting the retailer, please contact our Member Support team. Depending on the retailer you purchased from, PayPlan by RBC may or may not be able to raise an order dispute on your behalf with the retailer after sufficient evidence is provided. Please note that if we open a dispute with the retailer, that dispute can take up to 30 days to reach a resolution and must be initiated within 45 days of your loan origination with a PayPlan by RBC instalment loan.

When a retailer processes a return or cancellation to your PayPlan by RBC loan order, a partial or full refund is automatically applied to your loan. Your account status and loan balance are adjusted accordingly. It can take up to 5 business days to to see the adjusted loan balance.

If a partial refund is issued to your PayPlan by RBC loan, your loan amount will be adjusted to reflect your new remaining balance. If a refund results in a credit balance on your loan account, the credit balance will be returned to you through the bank account used to make payments on your loan. This process can take up to 10 business days.

If your requested cancellation or return is not reflected on your account, please contact the retailer directly to check on the status of your request. If you are still are having difficulty after contacting the retailer, please contact our Member Support team. Depending on the retailer you purchased from, PayPlan by RBC may or may not be able to raise an order dispute on your behalf with the retailer after sufficient evidence is provided. Please note that if we open a dispute with the retailer, that dispute can take up to 30 days to reach a resolution and must be initiated within 45 days of your loan origination with a PayPlan by RBC instalment loan.

When a retailer processes a return, cancellation or full refund to your PayPlan by RBC loan order, your account status and loan balance will be adjusted accordingly. It can take up to 5 business days to see the adjusted loan balance.

If the full refund results in a credit balance on your loan account, the credit balance (the payments you have made toward the amount refunded) will be returned to you through the bank account used to make payments on your loan. This process can take up to 10 business days.

lease contact the retailer about your damaged merchandise. You are required to make payments on your PayPlan by RBC account until the balance is paid or credited in full. Any refunds for damaged goods will be applied as a credit to your account, reducing the amount you owe.