Hybrid View Overview
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.
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 below.
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.
How to access hybrid view or get a Business account
A) You already have a Business account
No action is needed. You already have access to hybrid view.
Simply log into your account as usual
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 Settings > Business Account
Click Add a business account, then Set up your business
Enter your business details and upload a registry document (step-by-step guide)
Verification usually takes 24–48 hours on business days. Once verified, you'll see the hybrid view automatically
2. Sign up for a Business account
If you don't have a Chexy account yet, 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
Which cards can I use? Card rules depend on the payment category, not the price. For business payments, see What types of bills can I pay with Chexy? (Business accounts). For American Express, see Paying bills with an American Express card on Chexy. For personal payments, see Supported Cards & Restrictions.
Personal (Household Expenses) — 1.75%
Residential rent
Taxes
Insurance
Daycare / tuition
Home utilities
Wellness
Telecom
Business (Core Business Expenses) — 1.99%
Commercial rent
Commercial utilities
Business taxes
Business insurance (e.g. Canadian Medical Protective Association)
Note: For international cards, a 3.0% fee applies to business payments.
Operational Payments — 2.40%
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 — tied to either a business credit card or a business-only category (such as payroll or supplier payments), or made to specific business payees.
Business cards cannot be used for Personal payments. However, Personal cards can be used for Business payments.
Card Splitting is available under your Business account only — not on the personal side of a hybrid account.
Can I switch from a Business account to a Personal account?
Yes, you can switch your Chexy account from Business to Personal at any time.
How to downgrade
Log in to your Chexy account
Go to Settings
Select My Details
Under Account type, choose the option to switch to a Personal account
What to expect when you downgrade
When you move to a Personal account, a few Business-specific features will no longer be available:
Business payments: You'll lose access to business tax payments, payroll, and supplier payments
Business credit cards: You won't be able to keep or add business credit cards on your account
Before you downgrade
To complete the switch, make sure you:
Pause or delete any scheduled business tax, payroll, or supplier payments
Remove any business credit cards linked to your account
Aeroplan offers
You'll still remain eligible for any Aeroplan offers you were previously enrolled in.