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.

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.

First Name Error: TBD

Last Name Error: TBD

Company Name Error: TBD

Company Website Error: TBD

Company Email Error: TBD

Phone Number Error: TBD

E-Commerce Platform Error: TBD

E-Commerce Platform Other Error: TBD

Annual E-commerce Revenue Error: TBD

Average Cart Value Error: TBD

Industry Error: TBD

Industry Other Error: TBD

Industry Specific Error: TBD

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.

How do I offer PayPlan by RBC to my customers?

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.

What is PayPlan by RBC?

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.

Why should I pick PayPlan by RBC?

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.

How does PayPlan by RBC work?

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

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

How does PayPlan by RBC make it easier for me to make purchases?

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.

Why buy with PayPlan by RBC?

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.

Is PayPlan by RBC safe and secure?

Safeguarding your personal information is very important to us. All PayPlan by RBC checkouts use HTTPS secure encryption when transmitting data.

How do I apply with PayPlan by RBC?

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

Click Here

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 Disclaimer¹

Interest rates range from 0% to 19.99% APR. Subject to approval of credit application. Loans made by RBC Ampli Inc.

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.

Legal Disclaimer^® / ™

Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

PayPlan by RBC

Grow Your business and Give Your Customers a Better Shopping Experience