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RMI Chartered Professional AccountantsRecommended by RMI LLP

Put CRA, payroll & suppliers on a credit card.

You're paying these bills anyway. Keep your cash longer and earn the rewards.

VISAAMEX
No setup fees
This monthPaid by card
GST/HST
Canada Revenue Agency
$18,400
Payroll remittance
CRA · CPP / EI
$12,250
WSIB premium
Workplace Safety
$3,180
Supplier invoice
Sysco Canada
$24,900
Charged to AMEX
$58,730
Rewards earned
73,412 pts
$1.5B+
Processed
200,000+
Canadians
$35M
Rewards earned
How it works

Three steps. Your payees won't even notice.

New bill
GS
GST/HST
Canada Revenue Agency
$18,400
01

Add the bill

A CRA notice, WSIB premium, invoice, payroll run, rent — whatever you owe.

AMEX
•••• 3847
Business Amex®
02

Pay with your card

Tap the Visa, Mastercard or Amex that's already in your wallet.

Payment sent
to Canada Revenue Agency
+23,000Aeroplan® points
03

Keep cash & rewards

They get paid like normal. You hold your cash longer and pocket the points.

What you can pay

If you owe it, you can put it on a card.

Why accountants recommend it

A cash-flow tool that happens to earn rewards.

It's really about the cash flow your business keeps and the fee you write off. The points are just what you've been leaving on the table.

See the math →

Keep your cash

Sit on your money up to 45 days before the card's due — working capital your business is handing over early for free right now.

100% tax-deductible

The whole Chexy fee is a business expense, so you write off every cent. That 1.99% is really about 1.46% after tax.

Earn on the unavoidable

The CRA and your suppliers don't take cards, so you earn nothing on your biggest bills. We fix that.

Clean books

Every payment lands in one dashboard, already sorted for reconciling.

Earn up to 250,000 Aeroplan® points*

You'll earn them after 3 months in a row of payments that hit one of these thresholds.

Monthly Spend
$10,000
$25,000
$50,000
$100,000
$250,000
Aeroplan Points
10,000 pts
25,000 pts
50,000 pts
100,000 pts
250,000 pts
You could earn up to:
250,000
Aeroplan® points*
*Conditions apply. Must be a Canadian business to qualify. Limited-time offer ends June 30th, 2026.
*250,000 points are available only to eligible customers on Chexy Enterprise pricing plans.
Run the numbers

See what your business spend is actually worth.

Plug in your monthly CRA, payroll, rent and supplier bills. We'll show the Aeroplan points, cashback and cash-flow float you're leaving on the table — in seconds.

ChexyBusiness Rewards
Step 1 of 4

What bills are you paying?

We'll calculate your potential rewards.

1.99% for most bills2.4% for payroll & suppliers
Pick at least one category to continue.
Estimates only — actual reward value depends on your card and redemption choices.
© Chexy 2026
Pricing

Simple pricing. No setup fees.

One processing fee — and you write all of it off.

VISAAMEX
Business
1.99%

On business taxes, rent and utilities.

2.40% on supplier & payroll payments
Add up to 5 credit cards
Email support
Chexy fees are 100% tax-deductible
Payouts via Interac e-Transfer, PAD, bill pay or EFT
VISAAMEX
Enterprise
Custom

Starting at $100K / month.

Everything in Business, plus:
One simple fee on every payment
24-hour priority support
Dedicated account manager
Our highest Aeroplan® welcome offer — up to 250,000 points
Is this legit? Totally.

It's just the money you already owe, routed a smarter way.

SOC 2 Type IISOC 2Type IIPCI DSS CompliantPCI DSSCompliant
Your payees get a normal payment — EFT, e-Transfer or bill pay.
It has to be a real business expense to a real third party.
Every business gets verified before any money moves (KYB).
It's not a loan — you pay your card statement like always.
Questions clients ask

The stuff people usually want to know.

Nope. They just see a normal payment — EFT, e-Transfer or bill pay. How you funded it stays on your side.

Stop leaving money on the table.

Your business is paying these bills regardless — every month you wait is cash and points you don't get back. Setup takes a few minutes.

1.99% on taxes, rent & utilities; 2.40% on suppliers & payroll; custom pricing from $100K/month. Reward, float and deductibility figures are illustrative, not tax or financial advice — confirm with your accountant. Aeroplan is a trademark of Aeroplan Inc. © Chexy Inc.

Terms and Conditions

Limited Time Business Offer

During the period beginning March 30, 2025 at 12:00 AM ET and ending June 30, 2026 at 11:59 PM ET (the “Offer Period”), eligible Chexy business customers may earn Aeroplan® Points by completing qualifying payments through the Chexy platform, subject to the terms and conditions below. This offer is available to new Chexy business users who meet the eligibility requirements described below.

Eligibility

To be eligible for this offer, you must:

● Be an Aeroplan member (“Aeroplan Member”) with an Aeroplan account in good standing (“Aeroplan Account”), in accordance with Aeroplan’s General Terms and Conditions. If you are not an Aeroplan Member, you can visit Aeroplan - The Official Website and enroll today. Membership is free.
● Be a registered Chexy business customer with a Chexy account in good standing (“Chexy Account”).
● Add your Aeroplan number to your Chexy Account by following the prompts in the Chexy website or app.
● Complete Chexy’s Know Your Business (KYB) verification process, including providing valid business registration documentation.
● Be a new Chexy business user, defined as a customer who completes their first-ever qualifying payment through Chexy during the Offer Period.

The Chexy Account must be registered in the same name as the Aeroplan Account. Only one Aeroplan number may be associated with a Chexy Account at a time. Chexy reserves the right to determine whether a customer qualifies as a new user. Businesses that previously held a Chexy account, or that attempt to create multiple accounts to qualify for the offer, may be deemed ineligible.

How to Earn Under This Offer

Eligible Aeroplan Members may earn Aeroplan Points by completing qualifying payments through Chexy and meeting the requirements of one of the tier levels outlined below.

To earn Aeroplan Points under this offer, you must:

● Complete qualifying payments in each of three (3) consecutive months during the Offer Period;
● Meet or exceed the minimum monthly spend requirement for your selected tier in each of the three consecutive months;
● Maintain the same tier level across all three months.

Aeroplan Points will be awarded based on the highest eligible tier achieved and maintained over the full three-month period.

Tier Structure

Aeroplan Points will be awarded based on total qualifying spend completed over a three-month period, as follows:

  • Spend $5,000 per month (total $15,000 over 3 months) → Earn 5,000 Aeroplan Points

  • Spend $10,000 per month (total $30,000 over 3 months) → Earn 10,000 Aeroplan Points

  • Spend $25,000 per month (total $75,000 over 3 months) → Earn 25,000 Aeroplan Points

  • Spend $50,000 per month (total $150,000 over 3 months) → Earn 50,000 Aeroplan Points

  • Spend $100,000 per month (total $300,000 over 3 months) → Earn 100,000 Aeroplan Points

  • Spend $250,000 per month (total $750,000 over 3 months) → Earn 250,000 Aeroplan Points (available only to eligible customers on Chexy enterprise pricing plans)

If total qualifying spend falls between two tiers, the lower tier will apply. If the minimum spend requirement is not met in any one of the three months, the customer will not be eligible for that tier’s bonus.

Only one tier bonus may be earned per customer during the Offer Period.

Eligible Payments

Qualifying payments include eligible business bill payments made through the Chexy platform, as defined in Chexy’s Terms of Use. Payments must represent legitimate business expenses owed to a third-party payee.

Chexy reserves the right to determine which payments qualify for earning Aeroplan Points.

Payment Integrity Requirements

To qualify for Aeroplan Points under this offer, payments must remain valid, completed, and not reversed. If a qualifying payment is later cancelled, reversed, refunded, disputed, or returned, Chexy reserves the right to remove the associated Aeroplan Points from the Aeroplan Member’s Aeroplan Account.

Payments that are returned due to insufficient funds, payment failure, or chargeback will not qualify for Aeroplan Points.

Fraud, Abuse, and Ineligible Activity

Chexy and Aeroplan reserve the right to review all transactions associated with this offer.

The following activities are prohibited and may result in disqualification:

● Creating multiple Chexy accounts to earn additional Aeroplan Points
● Creating a new Chexy account after previously holding a Chexy account
● Attempting to generate Aeroplan Points through fraudulent or artificial transactions
● Payments where the payer and recipient are effectively the same person or entity

Chexy reserves the right to withhold or reverse Aeroplan Points where activity appears fraudulent or inconsistent with the intent of the offer.

Posting of Aeroplan Points

Aeroplan Points are earned once all qualifying requirements for a tier have been met, including completion of three consecutive months of qualifying payments.

Aeroplan Points will generally appear in the Aeroplan Member’s Aeroplan Account within approximately 60 days following completion of the qualifying period.

Adjustments (Errors) & Discrepancies

Chexy reserves the right to add, remove, or correct Aeroplan Points issued in error. If you believe there is a discrepancy relating to Aeroplan Points earned through Chexy, please contact Chexy Customer Support via: https://intercom.help/chexyrent/en/

Chexy must be notified within twelve (12) months of the relevant transaction.

Other Terms

Offers are non-transferable and not redeemable for cash. Terms and conditions are subject to change without prior notice.

Participation in this offer constitutes acceptance of these Terms and Conditions. The following additional terms apply to this offer: Aeroplan program General Terms and Conditions and Air Canada and Aeroplan’s Privacy Policy.

View all Air Canada and Aeroplan trademark notices.

Chexy reserves the right to terminate participation if a user violates these Terms and Conditions.

Limited Time Business Offer

During the period beginning March 30, 2025 at 12:00 AM ET and ending June 30, 2026 at 11:59 PM ET (the “Offer Period”), eligible Chexy business customers may earn Aeroplan® Points by completing qualifying payments through the Chexy platform, subject to the terms and conditions below. This offer is available to new Chexy business users who meet the eligibility requirements described below.

Eligibility

To be eligible for this offer, you must:

● Be an Aeroplan member (“Aeroplan Member”) with an Aeroplan account in good standing (“Aeroplan Account”), in accordance with Aeroplan’s General Terms and Conditions. If you are not an Aeroplan Member, you can visit Aeroplan - The Official Website and enroll today. Membership is free.
● Be a registered Chexy business customer with a Chexy account in good standing (“Chexy Account”).
● Add your Aeroplan number to your Chexy Account by following the prompts in the Chexy website or app.
● Complete Chexy’s Know Your Business (KYB) verification process, including providing valid business registration documentation.
● Be a new Chexy business user, defined as a customer who completes their first-ever qualifying payment through Chexy during the Offer Period.

The Chexy Account must be registered in the same name as the Aeroplan Account. Only one Aeroplan number may be associated with a Chexy Account at a time. Chexy reserves the right to determine whether a customer qualifies as a new user. Businesses that previously held a Chexy account, or that attempt to create multiple accounts to qualify for the offer, may be deemed ineligible.

How to Earn Under This Offer

Eligible Aeroplan Members may earn Aeroplan Points by completing qualifying payments through Chexy and meeting the requirements of one of the tier levels outlined below.

To earn Aeroplan Points under this offer, you must:

● Complete qualifying payments in each of three (3) consecutive months during the Offer Period;
● Meet or exceed the minimum monthly spend requirement for your selected tier in each of the three consecutive months;
● Maintain the same tier level across all three months.

Aeroplan Points will be awarded based on the highest eligible tier achieved and maintained over the full three-month period.

Tier Structure

Aeroplan Points will be awarded based on total qualifying spend completed over a three-month period, as follows:

  • Spend $5,000 per month (total $15,000 over 3 months) → Earn 5,000 Aeroplan Points

  • Spend $10,000 per month (total $30,000 over 3 months) → Earn 10,000 Aeroplan Points

  • Spend $25,000 per month (total $75,000 over 3 months) → Earn 25,000 Aeroplan Points

  • Spend $50,000 per month (total $150,000 over 3 months) → Earn 50,000 Aeroplan Points

  • Spend $100,000 per month (total $300,000 over 3 months) → Earn 100,000 Aeroplan Points

  • Spend $250,000 per month (total $750,000 over 3 months) → Earn 250,000 Aeroplan Points (available only to eligible customers on Chexy enterprise pricing plans)

If total qualifying spend falls between two tiers, the lower tier will apply. If the minimum spend requirement is not met in any one of the three months, the customer will not be eligible for that tier’s bonus.

Only one tier bonus may be earned per customer during the Offer Period.

Eligible Payments

Qualifying payments include eligible business bill payments made through the Chexy platform, as defined in Chexy’s Terms of Use. Payments must represent legitimate business expenses owed to a third-party payee.

Chexy reserves the right to determine which payments qualify for earning Aeroplan Points.

Payment Integrity Requirements

To qualify for Aeroplan Points under this offer, payments must remain valid, completed, and not reversed. If a qualifying payment is later cancelled, reversed, refunded, disputed, or returned, Chexy reserves the right to remove the associated Aeroplan Points from the Aeroplan Member’s Aeroplan Account.

Payments that are returned due to insufficient funds, payment failure, or chargeback will not qualify for Aeroplan Points.

Fraud, Abuse, and Ineligible Activity

Chexy and Aeroplan reserve the right to review all transactions associated with this offer.

The following activities are prohibited and may result in disqualification:

● Creating multiple Chexy accounts to earn additional Aeroplan Points
● Creating a new Chexy account after previously holding a Chexy account
● Attempting to generate Aeroplan Points through fraudulent or artificial transactions
● Payments where the payer and recipient are effectively the same person or entity

Chexy reserves the right to withhold or reverse Aeroplan Points where activity appears fraudulent or inconsistent with the intent of the offer.

Posting of Aeroplan Points

Aeroplan Points are earned once all qualifying requirements for a tier have been met, including completion of three consecutive months of qualifying payments.

Aeroplan Points will generally appear in the Aeroplan Member’s Aeroplan Account within approximately 60 days following completion of the qualifying period.

Adjustments (Errors) & Discrepancies

Chexy reserves the right to add, remove, or correct Aeroplan Points issued in error. If you believe there is a discrepancy relating to Aeroplan Points earned through Chexy, please contact Chexy Customer Support via: https://intercom.help/chexyrent/en/

Chexy must be notified within twelve (12) months of the relevant transaction.

Other Terms

Offers are non-transferable and not redeemable for cash. Terms and conditions are subject to change without prior notice.

Participation in this offer constitutes acceptance of these Terms and Conditions. The following additional terms apply to this offer: Aeroplan program General Terms and Conditions and Air Canada and Aeroplan’s Privacy Policy.

View all Air Canada and Aeroplan trademark notices.

Chexy reserves the right to terminate participation if a user violates these Terms and Conditions.