How Agencies & Professional Firms Pay Bills by Credit Card

How Agencies and Professional Firms Can Pay Every Business Bill by Credit Card

Service businesses bill for time — which makes every hour spent on your own payables doubly expensive. It's an hour you're not billing, spent moving money through five different systems: e-Transfers to freelancers, pre-authorized debits for the office lease, portals for the CRA, invoices from media vendors.

Chexy consolidates the whole stack into one dashboard, funded by your credit card — even for payees that don't accept cards.

What agency and office bills can go on which card?

Amex-eligible (also fine on Visa or Mastercard):

• Advertising and media spend — campaign invoices, media buys, marketing vendors
• Consulting, accounting, and staffing agency invoices
• Office equipment and supplies — hardware, furniture, stationery
• Commercial insurance premiums
• GST/HST, corporate tax, payroll remittances
• Utilities and internet

Please note: Amex payments are ultimately subject to review by our compliance team, and eligibility depends on the payee.

Visa or Mastercard:

• Your office lease (or co-working membership)
• Legal fees
• Software and SaaS — your entire tool stack
• Freelancers and contractors paid for services
• IT and managed services

The cash flow advantage when income arrives in chunks

Most agencies and consultancies deal with the same pattern: large invoices go out, payment comes back slowly, and costs don't wait. Running your payables through a card buys you weeks before the cash actually leaves — on payroll remittances, media buys, and vendor invoices — which narrows the gap between paying your costs and collecting what you're owed.

On $40,000/month of card-routed spend, most sits at 1.99% — the 2.40% rate is for supplier and payroll payments. At 1.99%, the fee on $40,000 is $796. A card earning 1.25 points per dollar gives you 50,000 points, worth $1,000 redeemed for travel. So you're ahead on the points alone — and because the fee is deductible while rewards aren't taxed, further ahead again. On top of that: weeks of breathing room on every payment, and the billable hours you stop losing to payment admin.

Frequently asked questions

Can an agency pay media buys with Amex?

Yes — advertising spend is an Amex-supported category on Chexy, subject to review and payee eligibility.

Can I pay freelancers with a credit card?

Yes, with Visa or Mastercard. They receive an e-Transfer like normal; you get float and points.

Can I put our SaaS stack on this?

Yes — software subscriptions run on Visa or Mastercard through Chexy if the vendor invoices you. (Tools that already charge a card directly don't need Chexy.)

Can I pay corporate taxes by card?

Yes — CRA payments including corporate income tax, GST/HST, and payroll deductions are card-eligible, including on Amex.

Bill more hours. Lose fewer to payables. Get started with Chexy for Business →