This article covers bills for personal Chexy accounts. If you're paying business expenses, see What types of bills can I pay with Chexy? (Business accounts) instead.
✅ Bills you can pay
We support a wide range of bills and everyday expenses. The table below shows each approved category, which cards you can use, and what does and doesn't qualify.
Category | Description | Cards accepted | What's accepted | What's NOT accepted |
Rent | Pay your home, apartment, or student residence rent to your landlord or property manager. Residential rent only. | Visa / Mastercard / Amex | Valid rent paid to your landlord, whether an individual or a corporation. A copy of your lease is required. | Short-term accommodation — a weekend cottage, a hotel, or any short-stay rental — or paying anyone for something that isn't rent. |
Utilities | Pay for electricity, water, gas, and waste management services. | Visa / Mastercard / Amex (eligible businesses via Chexy's search bar only) | Paying a utility provider or your municipality for consumption-based services — electricity/hydro, water, natural gas, or waste management. Amex payments must be made to an eligible business selected from Chexy's search bar. | Phone, internet, or streaming (e.g. Netflix); paying a contractor to service or repair your HVAC. |
Insurance | Pay for home, auto, or pet insurance premiums. | Visa / Mastercard / Amex (eligible businesses via Chexy's search bar only) | Paying an insurance company for property & casualty (P&C), life and other insurance, such as home, auto, life, or pet. Amex payments must be made to an eligible business selected from Chexy's search bar. | Professional membership or licensing fees (e.g. CPA, Professional Engineers). |
Childcare & Education | Pay for daycare, K-12 and university tuition, and child support. | Visa / Mastercard / Amex (eligible businesses via Chexy's search bar only) | Paying a daycare, recognized school, or university. An invoice is required. Amex payments can only be made to eligible businesses selected from Chexy's search bar — to pay an individual (e.g. a babysitter), use a Visa or Mastercard instead. | Pet care (e.g. dog daycare or dog-sitting); paying an individual for an unrelated purpose. |
Income, Property & Business Taxes | Pay income taxes to the CRA and Revenu Québec, municipal property taxes, and business taxes. | Visa / Mastercard / Amex (eligible recipients via Chexy's search bar only) | Paying the CRA, Revenu Québec, or a municipality. Amex payments must be made to an eligible recipient selected from Chexy's search bar. | Paying an accountant's fees to prepare or file your taxes. |
Household Expenses | Pay for home services such as cleaning and landscaping. | Visa / Mastercard only | Paying a house cleaner or landscaper. | Expenses unrelated to the upkeep or improvement of a home. |
Telecommunications | Pay for phone and internet services. | Visa / Mastercard only | Paying your phone or internet provider. | Paying someone unrelated, or anything that isn't a phone or internet service. |
Transportation | Pay for vehicle costs such as a car lease. | Visa / Mastercard only | Paying for a car lease only. | Financing or loan payments for a car purchase — see Loans below instead. |
Gym & Wellness Memberships | Pay for gym and wellness memberships. | Visa / Mastercard only | Paying a gym, fitness studio, or wellness membership. | Paying a person or business for anything that isn't a gym or wellness membership. |
Loans | Pay off credit card bills, car loans, personal loans, Buy Now Pay Later providers (like Affirm), and brokerage/investment accounts — paid directly from your Chexy Wallet balance. | None — paid from your Wallet balance, which you load first by debit (Visa Direct) or bank transfer (EFT). You cannot fund a Loans payment by charging a credit card. | Credit card bill repayment (any network — Visa, Mastercard, or Amex), car loan/financing payments, personal loan repayments, Buy Now Pay Later repayments (e.g. Affirm), and brokerage/investment account payments. | Funding the payment itself with a credit card instead of your Wallet balance. * |
Bank Account Funding | Send money from your Chexy Wallet to your own linked personal bank account. | Paid from your Wallet balance. | Transfers from your Wallet to your own personal bank account. | Sending to someone else's bank account; currency conversion. |
* Loans and Bank Account Funding payments are never charged to a credit card — not Visa, Mastercard, or Amex. You load your Wallet first via debit or bank transfer, then pay your credit card bill, car loan, BNPL, or brokerage account from that Wallet balance.
💳 Why can't I use Amex for some categories?
Amex has restrictions on certain types of payments. Here's what that means:
Some categories can only be paid with a Visa or Mastercard credit card. Anything marked "Visa / Mastercard only" in the table above can't be charged to an Amex card.
This isn't a Chexy limitation — it comes from Amex's own rules for these payment types. Just use a Visa or Mastercard card for those categories instead.
Even for Amex-approved categories, only payments that genuinely fall within that category qualify. Check the "What's accepted" and "What's NOT accepted" columns above to confirm your payment is eligible.
For all Amex-approved categories other than Rent, payments can only be made to eligible businesses or organizations found through Chexy's search bar. Payments to individuals using an Amex card are only supported for Rent (with a valid lease). If you need to pay an individual for childcare, education, or any other non-rent category, you'll need to use a Visa or Mastercard instead.
Loans aren't affected by these Amex restrictions, because a Loans payment isn't charged to any card at all — not Amex, Visa, or Mastercard. You can pay off a credit card bill through Chexy, but the payment itself comes from your Wallet balance (funded by debit or bank transfer), never from charging a card.
🚫 What we don't support
While Chexy is flexible, there are a few types of payments we do not support on our platform at all:
Gambling
Casinos, online betting, lottery services (e.g. Espacejeux/Loto-Québec), and similar gambling-related payments.Non-profit or religious organizations
Donations, tithes, or payments to charities, religious institutions, or other non-profit organizations.Illegal activity
Anything related to prostitution, drugs, firearms, or other illegal goods and services.