HealthSmart Financial, operating under the brand PayBright, is a financial technology company that provides installment payment solutions for Canadian consumers and merchants. Founded in 2009, the company aims to simplify the commerce experience by allowing customers to pay for their purchases over time through flexible payment plans. PayBright offers two main payment options: bi-weekly interest-free payments over four installments and monthly payments ranging from 6 to 60 months. This service is particularly beneficial for merchants as it can increase sales and customer satisfaction by offering more payment flexibility. The company primarily serves Canadian merchants across various sectors, including home furniture, electronics, and fashion. PayBright generates revenue through merchant fees and interest charges on longer-term payment plans. The business operates in the financial technology market, focusing on consumer financing and payment solutions.

Keywords: installment payments, Canadian merchants, bi-weekly plans, monthly plans, financial technology, consumer financing, payment solutions, flexible payments, e-commerce, fintech.