Overview
Starting May 1, 2026, you can access both your business and personal payments under a single login, making it easier to track and manage all your payments without switching accounts.
What’s changing?
From May 1, your Chexy experience will be updated to support a combined Business and Personal account (hybrid view).
With this update, you can now:
Use one account for both Business and Personal expenses
Add up to 10 cards in your Wallet
Use any credit card for business payments (personal or business cards accepted)
All personal payments remain at 1.75%, while business payments start at 1.99%. More details are available in the "Pricing overview" section.
Everything you can do under Business:
Send payments via EFT payouts
Access higher payment limits
Pay employees, contractors, and vendors using Payroll and Supplier payments
Note: Only those with a Business account will see the hybrid view. Learn more in "How to access hybrid view or get a Business account?".
Categorizing your payments
Between May 1 and May 6, you’ll have the option to review and categorize your existing payments in your Chexy Business account as either: Business or Personal.
If no action is taken by May 6 at 11:59pm EST, any uncategorized payments will automatically default to Business.
How to categorize your payments:
Log into your Chexy Business account
Review and categorize your existing payments (optional)
Any uncategorized payments will remain under Business
How to access hybrid view or get a Business account?
A) You already have a Business account
No action is needed. Starting May 1, you’ll automatically get access to hybrid view (combined Business and Personal experience).
Simply log into your account as usual
Categorize your payments (optional)
You’ll see both Personal and Business tabs on your Home page
You can begin managing both types of payments under one login
B) You don’t have a Business account
You have two options:
1. Upgrade from your Personal account
Go to My Details in your account
Select the option to upgrade to a Business account
Once upgraded, you’ll get access to the hybrid view automatically
2. Sign up for a Business account
If you don’t have a Chexy account yet and would like to create a Business account, you can sign up directly here: https://chexy.co/business
Once you've created your account, you’ll see the hybrid view automatically
Pricing overview
Personal (Household Expenses) — 1.75%
Accepted cards: Visa, Mastercard, Amex
You can use this category for:
Residential rent
Taxes
Insurance
Daycare / tuition
Home utilities
Wellness
Telecom
Business (Core Business Expenses) — 1.99%
Accepted cards: Visa, Mastercard, Amex
You can use this category for:
Commercial rent
Commercial utilities
Business taxes
Business insurance
Memberships (e.g. Canadian Medical Protective Association)
Operational Payments — 2.40%
Accepted cards: Visa, Mastercard only
You can use this category for:
Payroll
Contractor wages
Supplier payments
Food suppliers
Construction suppliers
Medical suppliers
Other trade suppliers
What's the difference between Personal and Business?
Some payments are locked to your Business account by design:
These payments are tied to either a business credit card or a business-only category (such as payroll or supplier payments), or are made to specific business payees (e.g. Canadian Medical Protective Association).
Business cards cannot be used for Personal payments. However, Personal cards can be used for Business payments.