Some payment categories on Chexy must be charged to a Visa / Master card. You will see a blue Visa + MC Only badge next to these categories during setup.
Which categories are Visa/Mastercard only?
Car & transportation
Telecommunications
Wellness
Examples include things like transit or parking accounts, mobile phone and internet bills, and gym or fitness memberships. Specific billers may vary by region.
What “Visa + MC only” means
If any part of the payment is funded by a card, that card must be Visa / Mastercard.
You can still use your Chexy Balance. If your balance covers the full amount, no card charge is needed. If your balance covers part of it, the remainder will be charged to a Visa / Mastercard card you select.
I do not have a Visa on file
You have two options:
Add a Visa / Mastercard card in My Cards → Update card, then return to your payment.
Make this payment directly, outside of Chexy
Fees, rewards, and limits
Processing fees and rewards work the same as other card-funded payments.
Some billers place rules on which networks they accept. Chexy follows those rules to ensure your payment is processed correctly.
FAQs
Why are only some categories Visa required?
These rules come from billers and payment networks. Using Visa ensures the payment is accepted and settled without issues.
How will I know in the app?
Look for the Visa / Mastercard only badge on the category screen. If you try to continue without a Visa card, Chexy will prompt you to add one or use your balance.