How Salons, Gyms & Studios Can Pay Bills by Credit Card

How Salons, Gyms, and Studios Can Pay Every Business Bill by Credit Card

You're behind the chair, on the floor, or teaching the class all day — then the admin starts. Product orders to one supplier, an e-Transfer to another, rent by pre-authorized debit, insurance by cheque, and the CRA portal for remittances. For owner-operators, every hour on payables is an hour of revenue you didn't earn.

Chexy puts every bill in one dashboard, paid on your credit card, even when your suppliers don't take cards.

What salon, gym, and studio bills can go on which card?

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

• Product and consumables orders — colour, shampoo, nail products, retail stock, towels, cleaning supplies
• Equipment — styling chairs, dryers, treadmills, weights, mirrors, sound systems
• Commercial insurance premiums
• GST/HST and payroll remittances
• Utilities
• Advertising — local campaigns, agency invoices, promotional spend

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

Visa or Mastercard:

• Your studio or storefront lease
• Booking and membership software subscriptions
• Cleaning services, equipment servicing, renovations
• Contract instructors or stylists you pay for services

The math for a small studio

Say $8,000/month across products, insurance, utilities, and remittances. Most of that sits at 1.99% — the 2.40% rate is for supplier and payroll payments. At 1.99%, the fee on $8,000 is $159. A card earning 1.25 points per dollar gives you 10,000 points, worth $200 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. Then the real wins are free: weeks of extra cash in your account, and one dashboard instead of five. The bigger win for most owner-operators, though, is time: one setup, recurring payments on autopilot, no more month-end payment chase.

Frequently asked questions

Can I pay my product supplier with Amex?

Yes — products, retail stock, and equipment bought for business use are Amex-supported on Chexy, subject to review and payee eligibility.

Can I pay my studio rent with a credit card?

Yes, with Visa or Mastercard. Your landlord still gets paid by e-Transfer, pre-authorized debit, or Bill Pay.

Can I pay contract stylists or instructors by card?

Yes, with Visa or Mastercard — payments for services aren't Amex-supported, but the other networks handle them.

Do my suppliers need to change anything?

No. They're paid exactly how they're paid today.

More time behind the chair, less time behind a spreadsheet. Get started with Chexy for Business →