Hybrid View 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.

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.

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.

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, 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

Residential rent
Taxes
Insurance
Daycare / tuition
Home utilities
Wellness
Telecom

Business (Core Business Expenses) — 1.99%

Accepted cards: Visa, Mastercard, Amex

Commercial rent
Commercial utilities
Business taxes
Business insurance
Memberships (e.g. Canadian Medical Protective Association)

Note: For international cards, a 3.0% fee applies to business payments.

Operational Payments — 2.40%

Accepted cards: Visa, Mastercard only

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.

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