Does PayBright run a credit check on customers? October 18, 2019 13:47 Updated It depends! We do an instant credit check with a bureau (such as Equifax or TransUnion) if a customer is paying in Easy Monthly Payments or with a PayBright Virtual Card. We don't check the customer's credit with a bureau for Pay in 4 transactions. Related articles What plans can I offer my customers? Will there be a credit check for a Pay in 4 transaction? What is a PayBright Virtual Card? How quickly do I get paid by PayBright? Can I change the plans I offer?