Chexy
Best all-round choice, and the only one of the three that takes a Canadian Amex for rent. Mortgage payments are supported from a chequing account (not a card).
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Most landlords, the CRA and your city won't take a credit card. Chexy, Neobanc and PaySimply will charge your card and send the money by e-Transfer or bill payment. You pay a fee of about 1.5%–2.5%. Here's how the three compare.
| Platform | Fee, Canadian card | Fee, foreign card | Cards accepted | Bills | |
|---|---|---|---|---|---|
Chexy | 1.75% | 2.5% | Visa, Mastercard, Amex (personal cards) | Rent, utilities, property and income tax, tuition, insurance, condo fees | Sign up → |
Chexy for Business | 1.99% (rent, tax, insurance) · 2.4% (suppliers, payroll) | 2.75% · 3% | Business cards incl. Amex Business (suppliers/payroll: Visa/MC only) | Business rent, property and income tax, insurance, suppliers, payroll | Sign up → |
Neobanc | 1.5% rent · 1.75% other bills | US cards accepted — fee shown at checkout | Visa and Mastercard only (no Amex, no business cards) | Rent, utilities, phone, insurance; mortgage too | Sign up → |
PaySimply | 2.5% | 2.5% | Any card, including business and foreign cards | Government payments: CRA income tax, property tax, licences | Sign up → |
Best all-round choice, and the only one of the three that takes a Canadian Amex for rent. Mortgage payments are supported from a chequing account (not a card).
For business cards. Issues proper invoices for your books. With a foreign business card, PaySimply's 2.5% is cheaper.
Pays 1% cash back on top, so a Visa/Mastercard rent payment nets out to about 0.5%. The cheapest option if you don't need Amex.
Run by Payment Source and accepted by the CRA. One flat fee for every card, which makes it the simple choice for business or foreign cards.
A 1.75% fee only pays off if your card earns more than that, or if the payment helps you reach a welcome bonus. Example: putting $2,000 of rent through Chexy costs $35, and it could finish the minimum spend on a card worth several hundred dollars in year one. See how much each card's welcome offer is worth.
If you carry a balance, don't do this — card interest at 20%+ wipes out any reward. Run your numbers in the credit card payoff calculator first.
Fees as of November 2026; platforms change them often, so check the fee on the payment confirmation screen before you pay. Sign-up links are referral links: we may get a referral reward, and some platforms give you one too. crediteasy.ca is independent and does not provide financial advice.