What to Send
Send the bill, invoice, or statement — the document that shows what you owe, who you owe it to, and when it's due.
Don't send a receipt or proof of payment. Those show a payment that already happened, so there's nothing for Chexy to set up.
Option 1: Scan your bill
When you select the option to pay a bill, you'll see two choices. The first is Scan the Bill.
Upload your bill as a file, an image, or take a photo of it right from your phone.
If you're using an image, make sure it's clear and easy to read — no wrinkles, folds, or heavy shadows. The clearer the image, the faster and more accurate the setup.
Chexy's system will analyze the bill and pull out the key details: the payee or biller name, amount, due date, and payment frequency. This may take a couple of minutes.
Once the analysis is complete, you'll see a review screen with everything that was detected. Double-check that all the details are correct — if something looks off, you can edit it before confirming. If Chexy isn't confident about a detail, it will ask you to fill that field in yourself rather than guessing.
The one thing you'll need to fill in yourself is the payout method:
Bill Pay — Enter your account number (or the reference number your payee requires).
PAD (Pre-Authorized Debit) — Confirm the details and set up the payment. For PAD, you'll need to provide your void cheque information. See: How to find your void cheque details (link to be updated before publishing).
Like the email option below, a scanned bill is only ever set up as a draft — it's never auto-paid. You'll still need to review and activate the payment yourself.
Option 2: Email your bill
Prefer not to scan? You can email your invoice to pay@bills.chexy.co and we'll set it up for you. This usually takes about 2 minutes.
⚠️ Important: Emailing your bill creates a draft payment only. You'll still need to review and activate the payment yourself inside your Chexy account.
Two things to keep in mind when using the email option:
Use the email address associated with your Chexy account. The bill must come from the same email you signed up with so we can match it to your account.
Apple's "Hide My Email" will not work. If you signed up using Apple's private relay email feature, the email option won't be able to match your account. You'll need to use the scan option instead.
Before You Submit
A few things are worth a second look before you confirm the payment:
Funding source. Choose which card or account will fund the payment.
Payment date. Chexy suggests a date based on the due date on your bill. You may want to schedule it a little earlier so it lands with time to spare — you can change the date before confirming.
Payment frequency. Chexy suggests a frequency based on the bill — on utility bills it will often suggest monthly. If your bill changes from month to month and you'd rather pay it one bill at a time, switch it to a one-time payment before confirming.
How you'll know it worked
Once a bill is scanned or forwarded and successfully processed, you'll get a push notification in the app confirming it's ready, and the draft will appear in the Drafts section on your homepage. There's no separate email confirmation or in-app badge, so keep an eye on your notifications after uploading.
A note about recipient availability
The Pay a Bill feature only works with recipients from Chexy's pre-approved recipient list. If your recipient isn't on the list, you'll need to set up the bill manually.
What People Use It For
Common uses include:
Professional services invoices
Utility bills
Household expenses
Telecom bills
Property tax
Rent
It's especially useful for billers you'd otherwise have to set up as a custom payee, and for bills where the amount changes every cycle.
Troubleshooting
My upload failed. The most common reason is that the file is too large. Try a smaller version, a lower-resolution photo, or a single-page PDF rather than a full statement.
Some fields are blank in my draft. Chexy leaves a field blank when it isn't confident it's read it correctly. Fill it in from your bill and continue.
A detail is wrong. Edit it in the draft before you submit. Nothing is charged until you submit.
I forwarded a bill and nothing happened. Check that you sent it from the email address on your Chexy account. If you did, check for a reply from Chexy explaining what went wrong.
My bill isn't supported. Some payees can't be paid through Chexy. See Unsupported Bill Pay Payees.
Paying with American Express
If you're paying with an American Express card, Chexy needs documentation for the payment. A bill or lease you upload can satisfy that requirement at the same time as setting the payment up, saving you from sending it separately later.