Paying property taxes, utility bills, and parking tickets in Toronto can be a hassle, with city-run payment systems like MyToronto Pay offering limited options. It’s time to explore better options, especially now that MyToronto Pay is being phased out. 

Enter Chexy–a modern solution that allows you to pay these expenses with your credit card, earn rewards, build your credit, and improve your cash flow. Whether you’re dealing with utility bills, parking fines, or paying property taxes in Toronto or the GTA, Chexy offers a seamless and flexible way to handle these payments. 

In this post, we’ll explore how you can use Chexy to pay bills and why it’s a better option than MyToronto Pay and other third-party payment processing services. 

How to Pay Property Taxes & Other Bills in Toronto

There are three main ways you can pay property taxes in Toronto:

Traditional Payment Methods

The City of Toronto Tax Department provides multiple ways to pay your Toronto property taxes, including:

• Online banking, telephone banking, or at an automatic teller

• Pre-authorized debit payments: Pre-authorized Tax Payment (PTP) Program and the Pre-authorized Utility Payment (PUP) Program

• By mail via cheque 

• In-person at a bank or city office 

While these options are available, they lack flexibility. Most don’t allow credit card payments (if they do, you pay fees on top of it), and you miss out on earning potential rewards. 

MyToronto Pay

For years, MyToronto Pay was a great way to pay your City of Toronto parking tickets, property tax, and utility bill payments. It was a collaboration between PayIt and the City of Toronto that allowed you to use credit or debit cards to pay your bills. 

However, they charge a processing fee of 2.35% for credit cards plus 1.5% for each transaction collected by PayIt. That’s a whopping 3.85% on top of your bill payments! 

Plus, they are shutting down in June 2025–leaving you with no other option to pay your bills with a credit card. However, there is a smarter alternative–Chexy Bills. 

Chexy–the Smarter Alternative

With Chexy Bills, you can pay any bills with your credit card, including property tax, car loans, internet bills, hydro, childcare, parking tickets, and more. Plus, Chexy only charges a 1.75% fee on all transactions–much lower than MyToronto Pay. 

Now, why would you want to pay bills with a credit card?

There are so many advantages to using Chexy to pay your bills, including:

• Earning rewards on your otherwise annoying bill payments. For example, you could earn up to 4% cash back on recurring payments with the Scotia Momentum Visa Infinite Card. 

• Automatic on-time payments, both one-time and recurring. You essentially set up the payments once, which are automatically taken out of your account each month.

• Building credit. Paying recurring bills with a credit card and paying off the balance in full each month will contribute to a high credit score, as the credit bureaus see that you can manage your credit responsibly. 

• No need to rely on outdated city portals. With MyToronto Pay being phased out, no better official alternatives are being introduced. 

• Works Canada-wide. Chexy Bills works for almost any bill payments in cities like Toronto, Brampton, Mississauga, and beyond the GTA. 

All in all, Chexy Bills is a seamless, secure, and easy-to-use platform. 

Best Credit Cards to Pay Toronto Parking Tickets & Other Bills

Since all bill payments with Chexy are considered recurring payments, you can earn double, triple, or even quadruple the points on your credit card! 

*Keep in mind that since the Chexy fee is 1.75%, you should use a credit card that earns higher rewards so that you are actually earning something!*

Here are three of the best credit cards to use with Chexy for recurring bills:

Scotia Momentum Visa Infinite Card

The Scotia Momentum Visa Infinite is a top cashback credit card for paying recurring bills. It offers 4% cashback on bills, up to $25,000 per year. 

You can also earn:

• 4% cashback on groceries 

• 2% cashback on gas and daily transit

• 1% cashback on everything else 

This credit card also includes Visa Infinite benefits, travel insurance, and shopping coverage. 

With a property tax payment of about $550 per month, you’d earn $21.61 per month in cashback (after Chexy fees). 

TD Cash Back Visa Infinite Card†

$139 annual fee   20.99% purchase APR   20.99% cash advance APR

The TD Cash Back Visa Infinite Card† gets you 3% cash back on recurring bills (up to $15,000 per year). You can also earn: 

• 3% back on grocery and gas purchases

• 1% back on everything else 

This card gets you access to Visa Infinite benefits, travel insurance, and a free Deluxe TD Auto Club membership. 

With a property tax payment of about $550 per month, you’d earn $16.21 per month in cashback (after Chexy fees).  

American Express Aeroplan Reserve Card

If you like to travel and are loyal to Air Canada, the American Express Aeroplan Reserve Card is the one for you. You can earn 1.25x Aeroplan points for every dollar you spend on rent and recurring bills. 

You can also earn:

• 3x the points on Air Canada purchases

• 2x the points on dining and food delivery 

A few benefits include access to Maple Leaf airport lounges, an annual worldwide companion pass, and comprehensive travel insurance. 

With a property tax payment of about $550 per month, you’d earn $14.69 in net rewards per month (after Chexy fees).

Whether you’re looking to pay Toronto property tax, utility bills, or parking tickets, Chexy is your go-to solution. With MyToronto Pay no longer a viable option, now is the perfect time to switch to Chexy and take control of your payments. 

Get started with Chexy today and enjoy hassle-free rent and bill payments with your credit card. 

Subscribe to our newsletter below for up-to-date credit card, travel, and rental content.