Mastercard •••• 100701
Rewards on existing spend
Collect points and cashback on rent, tuition, taxes and other payments you already make.
Collect points and cashback on rent, tuition, taxes and other payments you already make.
Pay flexibly, extend payment timelines and reduce the risk of NSF fees or missed payments.
Manage bills across your cards and bank accounts, track every payment and keep everything organized from one dashboard.
01Search for your landlord, school, utility provider or tax bill, then enter the payment details.
02Add any Mastercard®, Visa® or Amex® card. Two-minute setup, and your payee never changes.
03Points and cashback land on every single payment. Nothing to remember, nothing to chase.
Pay any bill in Canada with any credit card and collect cashback and travel points on money you already owe.
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Pay your rent, bills and taxes with the credit card you already carry, and Chexy turns payments that were giving you nothing into cashback, points and miles, even on the expenses that normally collect zero.
The benefits come straight from your card issuer, so you keep collecting in whatever way works best for you.
Rent, utilities, taxes, condo fees, insurance, tuition, gym memberships, child care and more, as long as your payee accepts Interac e-Transfer, Bill Pay or Pre-Authorized Debit (PAD).
Set recurring payments for the monthly stuff, or pay one-off expenses as they land. However you pay, it's your call.
We charge your credit card 4 business days before your payment is due, then send it on your behalf using the method your payee prefers, Interac e-Transfer, Bill Pay or Pre-Authorized Debit (PAD).
You tap once. Chexy handles the rest.
A flat 1.75% per payment on Canadian-issued Visa, Mastercard and American Express cards, and 2.5% on international ones.
All Canadian-issued Visa, Mastercard and American Express cards at a flat 1.75%, and international Visa, Mastercard and Amex at 2.5%.
Refer friends and you climb through four statuses, each rung drops the fee you pay. Every friend you bring in collects $15 cashback on their first payment, whatever status you're in.
| Status | Referrals | What you get |
|---|---|---|
| Starter | 1+ | $15 cashback |
| Pink | 3+ | 1.5% fee |
| Gold | 5+ | 1.0% fee |
| Elite | 10+ | 0.5% fee |
Once you reach Pink, your own reward shifts from cashback to the lower fee. Paying with an international card? Your status becomes a discount instead: 0.25% at Pink, 0.75% at Gold, 1.25% at Elite, on up to $50,000 in payments per calendar year.
New for 2026: keep your status a second year. If your crew, the friends you referred, completes enough payments in 2026, we extend your status through Dec 31, 2027: 15 crew payments for Pink, 50 for Gold, 250 for Elite.
Full breakdown of fees, cashback and status extensions: read the 2026 referral guide.
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