PaySimply is a third-party payment processor that allows you to pay things like your income tax with a credit card.
PaySimply isn’t just limited to using your credit card to pay various bills – you can also use this service to pay with cash, debit, Interac e-Transfer, PayPal, and a variety of other options. This gives you a huge amount of flexibility in paying your bills, allowing you to maximize credit card rewards or to take advantage of payments you wouldn’t normally have access to.
What you get with PaySimply
Here’s a quick rundown of what PaySimply has to offer.
Verified on September 15, 2025
Why You Want It
Earn credit card rewards on your bills + Keep all your expenses in one place.
Special Features
- No account set up
- Can send payments to the CRA
Eligibility
- Canadian citizen
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
2.5%
Debit Card Fee Minimum
$3.95
Debit Card Fee Maximum
$7.95
Interac E-Transfer Fee
1%
Paypal Fee
2.5%
Security Features
- You don't have to make an account
- None of your payment information is stored
- All traffic is encrypted
Desktop App?
Mobile App?
Our PaySimply rating: 2.7 stars
We’ve given PaySimply 2.7 stars for a few reasons, including that it’s a well-trusted service in Canada, recommended for paying your income taxes, among other things. It also has a wide variety of payment options you can take advantage of, including with cash or debit cards. Its payment limits are also quite high, giving you increased simplicity and flexibility in your payments. Finally, it’s 100% Canadian, designed by and for Canadians, giving you access to a large number of Canadian payees, without having to jump through any extra hoops.
PaySimply loses a few points because it doesn’t have any sign-up incentives or welcome bonuses, and it charges fees for every transaction you make through the service, which ultimately costs you money.
Rating methodology
To calculate our Genius Ratings, we compare the features of the account or product in question with other similar products in Canada. We give each feature a score out of 5 based on that comparison. Once we’ve rated all the features, we run them through our proprietary algorithm to produce a final rating out of 5.
Learn more about our rating methodology.
What's good about PaySimply
So, what does PaySimply have going for it?
Pros
Wide variety of payment options
PaySimply allows you to pay most bills with your credit card, debit card, cash, Interac e-Transfer, PayPal, and more. Not all payment options are available for all payees, but it provides a significant amount of flexibility you would otherwise not have access to.
Able to use PaySimply to pay almost any bill, including your taxes
You can use PaySimply to pay a wide variety of bills, including your income taxes and property taxes. In fact, it’s accepted as a payment option by the Canadian Revenue Agency, so you can be sure that your payment is accepted by that organization.
Relatively high transaction limits
Where some third-party payment systems have awkward low transaction limits, PaySimply has relatively high limits for most payment types. Unless you have significantly high bills for most things, you should be able to pay them easily using PaySimply.
Reasonable fees for using the service
PaySimply fees range from 1% for Interac e-Transfers to 2.5% for most other options. Of course, any added fees are money out of your pocket, these fees are relatively reasonable, given the flexibility they allow. And if you pay with cash or debit at a Canada Post outlet, you’ll be charged a flat fee ranging from $3.95 to $7.95.
Secure and trusted system
PaySimply is a trusted system that’s accepted by the government of Canada for paying your bills, including any outstanding payments to the CRA (such as income taxes). While no online system is 100% reliable, PaySimply has been used successfully by Canadians for years, and has been shown to be secure and reliable. PaySimply does not store any of your personal or payment information in its systems, giving you peace of mind if their systems are ever compromised.
Both desktop and mobile support
You can use PaySimply on both desktop and mobile devices, allowing you to use whatever method you’re most comfortable with.
Designed for and by Canadians
Because PaySimply is designed specifically for and by Canadians, it supports a huge variety of Canadian payees without you having to do anything special to ensure your bill payments get where they’re supposed to be.
What to watch out for with PaySimply
But no third-party system is perfect. PaySimply does have a couple of drawbacks to keep in mind.
Cons
Fees for all payment types
Like any third-party system, PaySimply charges a fee to use its service, regardless of which payment method you choose. While it does give you added flexibility, you’ll be dinged for service fees that you would not otherwise pay if you use a more traditional payment method.
No rewards or other incentives to use the service
Unlike some competitors, PaySimply does not offer any rewards programs or other incentives for using its service.
Best alternatives to PaySimply
PaySimply does have competing services, of course. Let’s see how it stacks up to 2 of them.
 |  |  | |
|---|---|---|---|
| Account | PaySimply | Plastiq | Chexy |
| Genius Rating | |||
| Why You Want It | 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. |  $10 GeniusCash + Earn cashback or credit card points by paying your rent, bills and taxes + Referral bonuses. |
| Pay Utilities? | | | |
| Pay Mobile Bill? | | | |
| Pay Other Bills? | | | |
| Pay Income Taxes? | | | |
| Pay Property Taxes? | | | |
Show More | |||
| Apply Now See more Paysimply products Compare | Learn More See more Plastiq products Compare | I Want This Deal See more Chexy products Compare |
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PaySimply frequently asked questions
Does PaySimply charge a fee for its services?
PaySimply charges a fee ranging from 1% to 2.5% for using electronic payment methods. If you go into a Canada Post outlet and use PaySimply, you’ll be charged a fee ranging from $3.95 to $7.95 depending on the amount and type of payment you’re making.
Can I pay my outstanding CRA income taxes using PaySimply?
You can pay your income taxes with PaySimply, using any of their available payment methods, including your credit card. While they do charge a 2.5% fee for this service, this gives you added flexibility in how you pay, and gives you the chance to earn some extra credit card rewards.
Is PaySimply a safe way to pay my bills?
PaySimply is a well known and trusted method for paying your bills in Canada. It supports a wide variety of Canadian payees out of the box, and gives you added flexibility if you require an alternative method for paying your debts.
Is PaySimply legit?
Yes, PaySimply is a proven company with billions of payments processed. They are publicly acknowledged as a payment option by the CRA.
Should I use PaySimply or Plastiq?
Both are solid payment options that are officially recognized by the CRA. Take a look at the alternatives table above to see their more minute differences. PaySimply has slightly lower fees and offers more ways to pay.
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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