GST/HST is the sales tax you collect from your customers, minus the GST/HST you paid on business expenses, sent to the CRA for each reporting period. You can pay it with your credit card through Chexy.
Chexy pays the CRA by Pre-Authorized Debit (PAD). You set up the payment in Chexy, then schedule the CRA to withdraw it from your Chexy account. The payment only goes through when both steps are done.
Before you start
You need a Chexy business account. Learn how to get started.
Business taxes can only be paid by Pre-Authorized Debit. Bill pay isn't available for them.
Your CRA GST/HST account number is your 9-digit business number followed by RT0001 (for most businesses).
Have ready: the amount you owe (from your accountant or your CRA account), the reporting period you're paying, and your payment date.
Your due date depends on your reporting period: monthly, quarterly or yearly.
The CRA won't accept a payment date sooner than 5 business days away, so set it up at least a week ahead. If your payment is due sooner than that, pay it outside Chexy this time and set up Chexy for the next one.
Step 1: Set up the payment in Chexy
From your dashboard, tap New Payment and search for CRA.
Select CRA - Canada Revenue Agency, then Business taxes & remittance.
Enter the amount you owe and a nickname so you can tell your payments apart, for example ABC Co. GST/HST Q3 2026.
Under Repeats, choose how often. Most businesses file quarterly, but the CRA has no quarterly schedule, so for quarterly payments choose Quarterly in Chexy and schedule a one-time CRA payment each quarter (step 6 in Step 2).
Review the details and tap Continue. If it's your first payment with Chexy, you'll verify your identity and business details, link your Aeroplan account (optional), and add your credit card.
Do a final review, then tap Activate, or Pay now for a one-time payment.
Back on your dashboard, open the payment and tap PAD details. Copy the institution, transit and account numbers, or download the void cheque with your Chexy account details. You'll need them in Step 2.
Note the Funds available date on the payment. For a one-time payment, your card is charged right away and the funds are available 3 business days later. The CRA payment date in Step 2 must be on or after the Funds available date.
Step 2: Schedule the withdrawal in your CRA account
Sign in to CRA My Business Account as your business, not your personal account. You'll start on the Overview page.
In the left menu, choose GST/HST, then your GST/HST account (RT0001).
Tap View and pay account balance.
Under Payment on filing and Interim balance, choose the period-end you're paying for and enter the amount. Tap Proceed to pay.
Tap Start, then choose Schedule one or more payments from your Canadian chequing account. Skip the Visa Debit, Debit Mastercard and Apple Pay option and the in-person option; those don't go through Chexy.
Under How often?, choose One time or a repeating schedule such as Monthly, then the Number of payments and the First payment date. Match what you chose in Chexy. For quarterly payments, choose one time here and repeat these steps each quarter. The CRA won't accept a date sooner than 5 business days away.
Under banking information, choose Enter new banking information and enter your Chexy branch, institution and account numbers. If you've paid through Chexy before, choose Use existing banking information and check it shows People's Trust Company.
Review the summary. Check the Number of payments and Last payment date: the CRA stops withdrawing after the last payment.
Tick the Authorization box and tap Submit.
Already have a GST/HST PAD with the CRA? Switch it to Chexy
If you already pay GST/HST by Pre-Authorized Debit from your bank, edit the existing agreement instead of creating a new one:
Sign in to CRA My Business Account. On the Overview page, under Business balance and services, select Manage pre-authorized debit.
Select your GST/HST agreement from the list, then Edit. You can only edit it if the next payment is at least 5 business days away.
Make sure the Next payment date is on or after the Funds available date in Chexy, so there are enough funds to withdraw.
Near the bottom, select Enter new banking information and enter your Chexy PAD details.
Review and Submit.
If you've paid GST/HST by bill pay before, there's no agreement to edit. Create a new one using Step 2 above.
Changing a payment later
To change the date or amount, update it in both Chexy and your CRA account. Changing only one side means the CRA withdraws a different amount, or on a different date, than Chexy has ready.
Check it's set up
On the CRA Overview page, under Business balance and services, select Manage pre-authorized debit (not Direct deposit transactions, which is for payments the CRA makes to you). If your debit is listed with the right amount and date, you're all set; don't create another one, or the CRA may withdraw twice. The Payments remaining column shows when it will end. If the CRA stopped withdrawing, check View inactive agreement(s): the debit has probably reached its last payment, so set up a new one and message us so we can pause your card charges.
When is my card charged?
Repeating payments: 3 business days before each payment date.
One-time payments: when you complete setup.
Paying with Amex: your first payment to the CRA, and every one-time payment, shows as Pending until the CRA withdraws. We charge your card once the withdrawal clears. There's nothing you need to do.
Common GST/HST mistakes
Choosing the wrong reporting period, so the payment is applied to the wrong return.
Choosing the CRA's debit card or Apple Pay option instead of your chequing account.
Setting up a quarterly payment in Chexy but only one one-time payment at the CRA, so the next quarter isn't withdrawn.
Entering your Chexy details under Direct deposit.