CARMA Billing Services
Pay your CARMA bill by credit card.
If your building’s utilities are sub-metered by CARMA, put the bill on your credit card. Chexy charges your card and pays CARMA by bank bill payment with your account number, and you collect your card’s rewards.
$2B+
bills processed
200K
Canadians on Chexy
$40M
rewards earned
How to
How to pay your CARMA bill by credit card
1
Sign up for Chexy
Create your account and verify your identity. It takes a few minutes.
2
Add CARMA
Search for CARMA and enter the account number from your bill.
3
Enter the amount and pick your card
Enter what your bill shows and the due date. You see the fee before you confirm.
4
Chexy pays CARMA
CARMA gets an ordinary bank payment and you collect your card’s rewards.
What you can pay
What you can pay Carma
Your CARMA bill
Your unit’s sub-metered utilities, paid by bank bill payment, which CARMA accepts.
- Your sub-metering bill. The utilities measured for your unit, billed by CARMA Billing Services.
- Your first bill. Includes CARMA’s new-account administration charge, currently $50 plus HST.
1.75% per payment on Canadian-issued cards, 2.5% on international cards. Shown before you confirm.
Timing
When Carma gets paid
- Within 20 days of the bill
- Your CARMA bill is due. A weekend or holiday due date moves to the next business day.
- 4 business days before it’s due
- Chexy charges your card.
- By the due date
- Chexy sends the payment to CARMA by bank bill payment.
Example
What paying your CARMA bill by card can earn
A $100 bill
On a 3% cashback card you earn
$3.00
Chexy’s 1.75% fee is $1.75, so your card is charged $101.75.
Illustrative estimate. Assumes the selected reward rate applies to all included payments. Before card annual fees and interest. Card eligibility and earning caps apply.
Paying your CARMA bill by credit card: questions
Can I pay my CARMA bill with a credit card?
Yes. Chexy charges your card and pays CARMA by bank bill payment, for 1.75% on Canadian cards. CARMA also has its own user-pay credit card service by phone.
When is my CARMA bill due?
Within 20 days of the bill being issued. If that falls on a weekend or holiday, it’s due the next business day.
What happens if I pay late?
CARMA adds a 1.5% late payment penalty to balances unpaid after 20 days. Scheduling in Chexy keeps every bill on time.
What does it cost?
1.75% of the payment on Canadian-issued cards (2.5% on international cards), shown before you confirm.
Does CARMA need to sign up?
No. They receive an ordinary bank payment in the amount you entered, on the date you scheduled.
The fine print
- CARMA bills are due within 20 days of being issued. Balances unpaid after 20 days get a 1.5% late payment penalty.
- New accounts are charged a $50 plus HST administration fee on the first bill.
- CARMA applies payments to deposits and arrears first, then to penalties.
- American Express works for utilities only with eligible billers picked from Chexy’s search bar; Visa and Mastercard work either way.
- Rewards are set by your card issuer, not by Chexy.
- Chexy accepts Visa, Mastercard and American Express credit cards in your name. Prepaid cards aren’t supported. Some categories (mobile, internet, gym and car leases) need Visa or Mastercard, and for utilities and taxes American Express works with eligible billers only. Logos show accepted networks, not an endorsement.
Sources: CARMA: ways to pay (Canada) · CARMA: frequently asked questions · What bills can I pay with Chexy? · How much does Chexy cost?. Carma is not affiliated with Chexy.
Also: Pay your Hydro-Québec bill by credit card · Pay your Enbridge Gas bill by credit card · Pay your Alectra Utilities bill by credit card · Pay your Toronto Hydro bill by credit card · Pay your BC Hydro bill by credit card · Pay your City of Toronto water bill by credit card · Pay your FortisBC bill by credit card · Pay your Hydro One bill by credit card · Pay your EPCOR bill by credit card · Pay your Hydro Ottawa bill by credit card · Pay your Nova Scotia Power bill by credit card · Pay your ENMAX bill by credit card · All payees
Put your CARMA bill on your card.
1.75% per payment on Canadian-issued cards, 2.5% on international cards