Chexy lets you pay your rent, bills, and taxes with your credit card, earning rewards without changing how your landlord or payees get paid. To pay rent with Chexy, all you need to provide is your landlord's information and credit card details once, and then Chexy automatically charges your card and processes the payment via e-Transfer, Pre-Authorized Debit, or Bill Pay each month.
Paying other bills? It’s just as easy: add the payee, set the payment date, and you’re done. Unlike other online payment services that charge 2.9% or more, Chexy's fee is just 1.75%, making it one of the lowest-cost ways to earn rewards in Canada. Chexy is a simple and effective service, but depending on your credit card and spending habits, you might earn less in rewards than the fees you pay. Whether it’s the right fit comes down to how you use it.
Chexy features
Take a moment to look over all the features and details that Chexy has to offer.
Why You Want It
$10 GeniusCash + Earn cashback or credit card points by paying your rent, bills and taxes + Referral bonuses.Special Features
- Earn cash back or travel rewards, and Aeroplan points on rent, bills, and taxes
- Automated payments & landlord-friendly
- Low fees compared to other services
- Exclusive offers and partnerships (Aeroplan offers)
- Credit-building service add-on
Eligibility
Provinces
ALL
Features
Pay Utilities?
Pay Mobile Bill?
Pay Other Bills?
Pay Income Taxes?
Pay Property Taxes?
Pay Mortgage?
Pay Insurance?
Pay Tuition?
Pay With Credit Card?
Pay With Debit Card?
Pay By Interac E-Transfer?
Pay With Paypal?
Pay In Person?
Credit Card Fee
1.75%
Debit Card Fee Minimum
N/A
Debit Card Fee Maximum
N/A
Interac E-Transfer Fee
N/A
Paypal Fee
N/A
Security Features
See Issuer for Details
Desktop App?
Mobile App?
Chexy product rating: 4.6 stars
Earning rewards on your credit card is extremely satisfying, and it's certainly convenient to be able to set up a recurring payment with a service like Chexy to take care of your bills, which is likely the biggest item on your budget. But it's a slippery slope. You need to be sure that you're earning enough rewards and/or cash back to cover the fees, at the very least. Luckily, this is very possible to do with Chexy.
While Chexy doesn’t have a mobile app just yet, the platform is built to be simple and accessible through any browser. And when it comes to fees, Chexy already offers one of the lowest rates in the country at just 1.75%. On top of that, users can reduce their fee even further to as low as 0.5% by referring 10 friends in a calendar year through Chexy’s referral program.
Rating methodology
To evaluate payment services, we analyze over 20 data points to generate a trustworthy Genius Rating. We consider all aspects of an online payment service, including fees, variety of payment options, variety of bills that can be paid, customer satisfaction, and extra perks, to assess its overall value. Then, the payment service’s features are rated based on how they stack up against other available options.
Learn more about our rating methodology.
The pros of Chexy
A service like this has a lot to offer. Here are the details we like best about Chexy.
Pros
Earn credit card rewards on your bills
Your bills, especially your rent, are likely some of your largest monthly payments, which means the ability to put them on a credit card has the potential to earn you significant rewards. The Scotia Momentum Visa Infinite, for example, offers 4% cashback on recurring bill payments. Even after factoring in Chexy’s 1.75% fee, you could still net 2.25% in rewards. So if you pay $1,000 on a recurring bill, you could earn $22.50 back per month or $270 per year in value.
No need for your landlord to sign up
Some landlords are difficult to get in touch with, and some are even reluctant to acknowledge your needs as a tenant. But no matter how frustrating your landlord may be, you don’t have to worry about them dealing with Chexy. There’s no need for your landlord to sign up, or even acknowledge that you’re using the service at all. All they need to do is accept the payment.
Credit building service
Thanks to a partnership with Equifax, Chexy has a Credit Builder service. This is a program that enables clients to use their rent payment to help build up their credit, and it’s free!
The Cons of Chexy
There's still room for improvement, though. These are the areas where we think Chexy needs to step it up.
Cons
Credit card fees can get high (depending how expensive your bills are)
Chexy's payment fee is a bit steep: 1.75%. Let's say you have one of the top no annual fee credit cards, but it doesn't have an especially notable earn rate for recurring bills – just 1%. If your rent is $1,000, you'll be paying $210 per year in fees for using Chexy, but only earning $120 per year in credit card cash back. You'll need to use a very specific, rewarding credit card to make this worth it.
No option for paying with PayPal
We'd like to see Chexy add an option for paying rent with PayPal. Some people are wary of online scams and prefer to not share credit card information, but would still like to earn the credit card rewards, and PayPal provides a safe, convenient alternative that still earns credit card rewards.
Lack of a mobile app
Chexy, at the time of writing, does not have a mobile app. While we realize that the bill payments are automatic and therefore doesn't need constant checking in, it would be super convenient to be able to login and set up payments, or look at past payments, on a mobile device.
Doesn't accept Canadian Mastercards
Chexy doesn’t currently accept Canadian Mastercards. You’ll have to pay with a Visa, Amex, or international credit card.
Chexy alternatives
Here's how Chexy stacks up against other similar services in Canada.
 |  |  | |
|---|---|---|---|
| Account | Chexy | PaySimply | Plastiq |
| Genius Rating | |||
| Why You Want It | $10 GeniusCash + Earn cashback or credit card points by paying your rent, bills and taxes + Referral bonuses. | Earn credit card rewards on your bills + Keep all your expenses in one place. | Earn your favourite credit card rewards on all purchases + Zero merchant fees. |
| Pay Utilities? | | | |
| Pay Mobile Bill? | | | |
| Pay Other Bills? | | | |
| Pay Income Taxes? | | | |
| Pay Property Taxes? | | | |
Show More | |||
| I Want This Deal See more Chexy products Compare | Learn More See more Paysimply products Compare | Learn More See more Plastiq products Compare |
FAQ
How do I pay my rent with a credit card in Canada?
You can pay your rent with a credit card by using Chexy, an online payment service that lets you earn credit card rewards on bill payments.
How does Chexy work?
To pay rent with Chexy, you’ll need to create an account, enter your landlord’s information, complete a quick verification check, and connect your credit card. Chexy will then process the payment using Interac e-Transfer, Pre-Authorized Debit, or Bill Pay, depending on your landlord’s preferred method. Paying other bills is just as easy as adding a payee.
Is there a Chexy referral bonus?
Yes! Chexy offers a referral bonus where both you and your friend get $15 towards your next payment. You can also lower your fee to as low as 0.5% when you refer 10 friends, and earn up to 10,000 Aeroplan points just by sharing Chexy with your network.
Editorial Disclaimer: The content here reflects the author's opinion alone, and is not endorsed or sponsored by a bank, credit card issuer, rewards program or other entity. For complete and updated product information please visit the product issuer's website.
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