If you run a small or medium-sized business, you probably already know the balancing act: paying rent, suppliers, contractors, and taxes all on time while keeping enough cash in the bank for payroll, inventory, or the next opportunity for growth. 

It’s a lot to handle, but the good news is that Chexy makes this juggling act a whole lot easier.

With Chexy, you can pay any business expense with your credit card, even if the payee doesn’t normally accept credit card payments, all while earning rewards, saving on financing costs, and freeing up your cash flow. And, you could earn up to 100,000 Aeroplan® points* with our limited-time offer.

Who Is Chexy For?

Any business can use Chexy for payments. Here are just a few categories of businesses already using Chexy:

• Healthcare & Clinics: Doctors, dentists, physiotherapists, pharmacists

• Professional Corporations & Advisors: Accountants, advisors, lawyers, consultants 

• Retail, Restaurants & Service Businesses: Shop owners, restaurateurs, high-expense operators

• Solo Entrepreneurs, Trades & Remote Operators: Freelancers, contractors, online sellers, self-employed professionals

What Can You Pay with Chexy?

Chexy lets you pay just about any major business expense with your credit card, even when the recipient doesn’t take credit card payments. This includes, but is not limited to:

• Rent or office leases

• Contractor invoices 

• Suppliers or vendors 

• Inventory purchases 

• Property tax 

• Insurance

• Utilities

• Renovations 

• Equipment leases

• Income taxes

• Internet and phone bills

• Vendor payments 

• Car lease

Instead of paying directly from your bank account, you pay Chexy with your credit card, and Chexy pays your vendor via e-Transfer, pre-authorized debit, or Bill Pay. They get paid the way they normally would, and you get more rewards and breathing room. 

Keep in mind that Chexy does not currently accept mortgage payments, car loans, or business income tax payments. 

Benefits for Small Business Owners 

If you’re not yet convinced, here are some of the top benefits of using Chexy for your business payments: 

Earn Up to 100,000 Aeroplan Points*

From now until October 21, 2025, you can rack up major rewards with Chexy. Make three consecutive months of payments and you could earn up to 100,000 Aeroplan points*, enough for a business class getaway. 

Here’s how it works: 

• Spend $5,000/month – earn 5,000 Aeroplan points 

• Spend $10,000/month – earn 10,000 Aeroplan points 

• Spend $50,000/month – earn 50,000 Aeroplan points 

• Spend $100,000/month – earn 100,000 Aeroplan points 

The more you pay with Chexy, the more points you earn. 

See terms and conditions at the bottom of this page. 

Maximize Credit Card Rewards & Hit Welcome Bonuses

Every time you send a rent payment by e-Transfer or pay a vendor invoice with your bank account, you’re missing out on opportunities to earn rewards and hit those credit card welcome bonuses. With Chexy, you can earn up to 4% cash back or points on all those payments–even with vendors that don’t normally accept credit cards. 

For bigger spenders, that adds up fast. For example, if you use the Scotia Momentum Visa Infinite Card, you can earn 4% cash back on all your payments with Chexy (up to $25,000). If you have a business credit card like the American Express Gold or Platinum, you could earn 1 or 1.25x the points on every dollar spent, plus reap the other benefits like business and travel coverage. 

It also makes hitting lucrative welcome bonuses much easier, as many premium business credit cards require significant spending in the first few months to unlock their offers. At the time of writing, The Business Platinum Card from American Express offers up to 170,000 points in the first 3 months. This target is far more achievable when you can put large, everyday business expenses on your card with Chexy. 

Improve Your Cash Flow 

When you pay with a credit card, you’re not actually spending your money until the card’s due date. This gives you up to 55 or 60 interest-free days to keep that cash in your account. 

That’s working capital you can now use for payroll, marketing, equipment, or whatever your business needs most. 

Just make sure to pay off your credit card in full by the due date so you can reap the benefits and avoid paying interest. 

Learn more about how Chexy can help boost business cash flow.

Save on Fees & Boost Tax Efficiency

Chexy charges a small 1.75% processing fee, but in most cases, it is tax-deductible as a business expense, just like bank fees or merchant service charges. 

Here’s what this means for you: 1) you can reduce your taxable income and pay less in taxes, and 2) the rewards you earn (i.e. points, cashback, or airline miles) are not typically taxed by the CRA, making them a pure bonus. 

The bottom line? The fee can often be offset or even completely outweighed by rewards and tax savings. 

How Chexy Processes Payments

Chexy processes your payments via Interac e-Transfer, pre-authorized debit, or Bill Pay. You choose how your bills get paid, and the recipient doesn’t have to do anything different. Here’s a brief breakdown of how payments work with Chexy:

Interac e-Transfer

This is best if you manually send an e-Transfer to an email address each month, perfect for fixed expenses like rent. All you need to do is enter your recipient’s details, the payment amount, and due date. We’ll send an e-Transfer to your recipient’s email on the scheduled due date. 

Pre-Authorized Debit 

This is best for payments that are normally auto-withdrawn from your chequing account, like rent or insurance payments. Your payee must already support PAD withdrawals, and this only works for expenses that are the same each month, like rent. 

We charge your card and funds your Chexy Wallet. You share your Wallet details with your payee, and they’ll automatically withdraw the money each month. 

Bill Pay 

This is best for bills you’d usually pay through online banking, like property taxes or utility bills. It only works for companies set up for Bill Pay, and for fixed monthly bills. If you have a variable expense, you can send it via our one-time payment option. 

We send your recipient the payment on your behalf using the details from your bill, so your payee knows it came from you. 

Best Business Credit Cards to Use with Chexy

Our top picks for the best business credit cards to use with Chexy are the American Express Business Platinum and the Aeroplan Business Reserve Card. Here’s an example of just how much you can earn with the Business Platinum card:

Chexy allows small business owners to earn points by “triple dipping.” If you use the Amex Business Platinum card and convert your points to Aeroplan (the best way to use American Express MR points, in our opinion!), you could have 345,000 Aeroplan points by the end of year one. 

This is enough points for more than four business class flights to Europe–all from expenses you’re paying anyway. 

Get Started with Chexy and Turn Those Expenses Into Rewards 

Every business has bills to pay, but not every business turns them into cashback, points, or travel rewards. With Chexy, you can pay the same expenses you’re already paying, unlock up to 60 days of extra cash flow, and earn rewards that you’ll actually want. 

Sign up for Chexy today and get rewarded for paying your business expenses.