If your landlord, property manager, or another recipient has questions about a payment they received through Chexy, this article will help you explain what Chexy is and how it works. You'll also find a ready-to-use letter template at the bottom that you can copy, personalize, and send directly.
What is Chexy?
Chexy is a Canadian payment platform that lets you pay rent, utilities, property taxes, condo fees, and other household bills using your credit card. It allows you to earn credit card rewards (like Aeroplan points or cashback) on expenses you're already paying.
How does it work?
Chexy acts as an intermediary between you and your recipient. Here's the process:
You pay Chexy with your credit card — just like any regular credit card purchase.
Chexy sends the payment to your recipient — via Interac e-Transfer, Pre-Authorized Debit (PAD), or Bill Pay, depending on how you set it up.
Your recipient receives the funds — exactly the same way they would receive any other payment. Nothing changes on their end.
Key things your recipient should know
It is not a loan
Chexy is not a lending service. No loan is being taken out. You are simply paying your bill with your own credit card, the same way you'd use a credit card at a store or online. Chexy processes the payment on your behalf and sends the funds to the recipient.
It does not affect anyone's credit
Using Chexy has no impact on your recipient's credit report or credit score. The credit card transaction is entirely between you and your credit card issuer. Your recipient is not a party to any credit agreement — they simply receive their payment as usual.
It's a regular payment, not a charge
From your recipient's perspective, the payment they receive through Chexy looks and works exactly like any other Interac e-Transfer, PAD withdrawal, or bill payment. There's nothing unusual about the funds themselves.
Chexy is a Canadian company
Chexy Inc. is a registered Canadian company that has been operating since 2021. Over 200,000 Canadians use Chexy to pay their rent and household bills every month. Chexy is backed by leading investors and partners in the Canadian fintech space.
Your recipient doesn't need to do anything
Recipients do not need to sign up for Chexy, create an account, or change anything about how they receive payments. Everything works the same on their end.
Letter template you can send to your recipient
Feel free to copy the letter below, fill in your details, and send it to your landlord, property manager, or other recipient.
Hi [Recipient's Name],
I'm writing to let you know that I use a service called Chexy to make my payments to you. I wanted to share some information so you know exactly what it is.
Chexy is a Canadian payment platform — it is not a loan, a line of credit, or any form of debt. It simply allows me to pay my bills using my credit card so I can earn rewards on payments I'm already making.
Here's how it works:
I pay Chexy with my own credit card.
Chexy then sends you the payment via [e-Transfer / PAD / Bill Pay].
You receive the funds just like any other regular payment.
This does not affect your credit in any way. The credit card transaction is entirely between me and my credit card company. You are not involved in any credit agreement, and there is no loan or debt associated with your account.
You don't need to sign up for anything or change how you receive payments. Everything stays the same on your end.
If you'd like to learn more, you can visit Chexy's website at chexy.co or their Help Center at intercom.help/chexy.
Please let me know if you have any questions!
Best regards,
[Your Name]
Still have questions?
If your recipient has additional questions about Chexy, they're welcome to reach out to our support team. We're happy to help clarify anything.