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PayPlan by RBC

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.

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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.

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Easy set-up

There’s no development work on your part and PayPlan will easily integrate into your existing site.

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

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.

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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.

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.
PayPlan by RBC is a pay-over-time solution that helps customers make purchases with equal monthly payments. When customers check out with PayPlan by RBC, they agree to accept the terms of taking an installment loan from RBC Ampli Inc.
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 choose PayPlan by RBC because of our unique full-funnel, white-label solution outperforms others in terms of unlocking revenue, boosting average order value and customer lifetime value.
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.

Already a merchant?

More support for your business Advice for merchants

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.

  • Fit larger purchases into your monthly budget

    With multiple payment terms and rates, choose the plan that works for you.

  • 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.

  • Apply directly through the retailer’s website

    There’s no extra window, redirects or separate app to download.

  • 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.

  • 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.

  • Available to all Canadians

    You don’t need to be an RBC customer to use PayPlan by RBC.

How it Works

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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.

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Pick a plan that fits your budget and agree to the loan terms.

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Continue with your purchase with PayPlan by RBC and enjoy!

Trusted by Major Brands and Retailers

apple logo
ikea logo
microsoft logo
bestbuy logo
nikon logo

Frequently Asked Questions

PayPlan by RBC is a pay-over-time solution that helps you make purchases with equal monthly payments the payment term you choose 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.
Our goal is to make your larger 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.
You will be given the option to apply for PayPlan by RBC in the checkout flow of any participating online retailer and follow the prompts to pre-qualify, review and accept your terms, and complete checkout. Applying is quick and straight forward.
See all FAQs

To Make a Payment Online

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Once logged in, you can view the details of your loan, make a one-time payment or set up recurring auto-payments.

Legal Disclaimer
PayPlan by RBC financing is provided by RBC Ampli Inc.
Legal Disclaimer® / ™
Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.