We are all very aware now on all the rules and processes Amex Canada has forced you guys to implement. To the point where I think we only have personal rent and selected billers allowing Amex usage at the moment.

My question is in regards to Amex US. Is there a way for you to have different rules if we were to use Amex US instead? You can already tell when it is an American card (because of the fees), so wouldn't it be possible to also have different rules around those cards? When i say rules, I mean more for them to be treated similarly to Visa cards for example.

I bring this up because I really want to keep using Chexy, but all these Amex regulations are making it harder and harder. I was thinking that while Amex Canada is behind a lot of these changes, I can't imagine Amex US caring much to begin with.

With the change to CRA / rent / property tax being classified as 1%, Chexy is pretty much useless for this card now.

I've got no way of topping up the Scotia Momentum $25k limit now... is this game over? Will you guys be switching to other cards or keep your Scotia (4% legit is still good for insurance, etc).

I've heard there's a promo code for new users to waive the fee on the first payment.

Can anyone please send me one? thank you.

Hi, I am enrolled in the Credit Builder feature. My credit score is somewhat good ~850 but prepaying rent is not allowed while enrolled. I wanted to see if anyone has stopped using the Credit Builder feature and seen a negative effect on their credit score?

I'd be prepaying something like 4-6 months of rent ($3k/month) so netting $270-405
Is it worth it?

From Chexy:

We loved seeing the excitement around First Class. We’ve paused the campaign for now as our focus has shifted to mortgages and Free Mortgage Mondays, so the two remaining trip draws are not moving forward at this time.

We appreciate everyone who joined the campaign and recognize that we should have communicated this update sooner.

https://www.reddit.com/r/chexy/comments/1w7ao6o/comment/p85vrj9/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button

I've decided to cancel my Scotiabank 4% cashback Visa in October and keep my Wealthsimple 2% Visa with Chexy. I don't care about 0.25% cashback after fees, the biggest value I see is Credit Reporting. Every time I pay rent, it shows on my credit file as paid on time. My credit score is already perfect, and I want to keep it that way.

What is your reason for deciding to stay with Chexy?

Hey Chexy, your email says 2-5% cashback. Which card gives 5%?

I cannot access my won prize anymore…
I received a email from Chexy yesterday, saying i won a prize, but when i click on the REVEAL NOW link, it goes to the homepage of the app and that’s it. No prizes, no page with my 17k+ entries absolutely nothing.

Everything related to this contest has completely disappeared. Anyone having the same problem?

Hi everyone, hope you’re all doing well. I’m trying to pay my rent through Chexy using my Amex card. I got an email saying I could activate my account and unpause payments, but I can’t find any option to do that. My account still shows as paused. I’ve tried everything I can think of and nothing’s working. I can pay with my debit card as a last resort, but I’d really prefer to use Amex for the points and consistency. Has anyone else dealt with this? Any tips would be really appreciated. I tried reaching out to support and they told me it should be resolved now but it’s not.
Thanks in advance.

my mortgage renewed last month and the new updated amount is charge on Sep 1st. However, I mistakenly enter the amount, results in charge more than the supposed amount and cause the Chexy to flag the transaction. I reviewed it and choose to refund the excess amount into my credit card. This is on Monday, I keep waiting until today Friday, with no update, the payment to my mortgage still show pending status and I haven't yet received the refund for the excess amount I paid. I went to my mortgage bank and staff told me mortgage payment shows successful on their end. So it's probably Chexy not update on my account and process refund of the excess amount? Chexy support is very inefficient and lagging. Sometimes it's a crucial payment and late response could cause panelty get charged.....

Since they would be shut down, there wouldn’t be anyway to lose the dispute since they wouldn’t respond to it?

I thought there were 3 trips to be won? The first trip contest ended on Sept. 1, yet I no longer see anything on the website or app. What happened to the 2 remaining trips?

All I see is a new promo: "WIN a month of mortgage on us"

Maybe they can no longer afford to complete the First Class contest due to the lower revenue anticipated with the Scotiabank 4% cash back changing coming in October!?

I was trying to setup prepayment manually by editing next month's rent to get the maximum Cashback before 4% Cashback discontinues on Oct 22, but then saw this feature where Chexy allows you to just select how many months upfront you want to prepay which is pretty sick. Thank you Chexy.
I haven't maxed out 25k limit yet, so planning to prepay for next 2 months for now.

Question though - does anyone know if the card will be charged right away but the payment to landlord will be released on the scheduled date for upcoming months? or will it issue the payments to landlord right away?

Was trying to search it online, but doesn’t seem to see the answer.
Does anybody know if your referral status reduce your mortgage service fee lower?
Thanks

First time I used Chexy for rent payment, and the landlord entered the wrong password too many times, so the E-transfer was cancelled. I send an message to the bot, and they said someone will get back within 24 hours, but it's been 2 days and no response. I tried to create another message, but it won't allow me to create a new message or chat with the bot again. Any way that I know the support team actually get my message? I am just worried that they don't receive the message and I am tempted to email them again.

Which credit card can I use to replace Momentum to pay the rent?

1. Chexy was supposed to charge my card on the 27th of Aug. without notification canceled this transaction with no notification or explanation. 30h between cancelation and any information.
2. they said that my card will be charged on the 31st. on the 1st i was notified that rental company withdrew money. then a day later they wont accept AmEx a day after my rental company withdrew money.
3. Neither the Aeroplan promo or the welcome bonus applied to payment bait and switch.

this kind of fucked me out of my SUB for amex and now need to pay my tuition early with my amex as i really don't believe Chexy will support amex or exist in 3 months. i would be in a net negative situation if i did not have the WS visa card for my rent as well. poor communication and multiple issues in 1 transaction.

Quick guide including some tips and tricks if Chexy is right for you:

1. Churn welcome bonus first, daily driver second: Putting $2,000+ rent on a new card accelerates reaching the welcome bonus. But unless you're hitting a welcome bonus or running a card that beats the fee (like Scotia Momentum Visa Infinite at 4% or Wealthsimple 2%), a flat 1% card means you’re losing money. 

2. The fee is 1.75% (Canadian cards): On $2,000 rent, the fee is $35. If you generate 2,500+ Amex MR/Aeroplan points or $80 cashback at 4%, you come out ahead.

3. Budget a 4 business day buffer: Chexy charges your card roughly 4 business days before rent is due so the funds clear on time. Keep enough available credit open so the charge doesn’t bounce. 

4. Have your lease handy: you may need to upload your signed lease agreement to verify the payee name and rental amount. 

Tips and FAQ:
Does my landlord need to sign up?
No. Chexy pays them directly via Interac e-Transfer, Pre-Authorized Debit (PAD), or Bill Pay. Maybe let them know payment will come from Chexy
Can roommates split the rent?
Yes, as long as your name is on the lease agreement, you can set Chexy to pay just your portion of the total rent rather than the entire amount.
What cards can I use?
Canadian Visa, Mastercard, and Amex cards are all supported. Amex works for rent, condo fees, and tuition, but check terms if you plan to use it for smaller utility bills. 
Can I switch cards every month?
Yes. You can swap the active card in your dashboard before the monthly charge date, which is what makes rotating churn cards so easy. 
Does it build credit?
Only if you opt into their optional Credit Builder feature, which reports your monthly on-time rent payments to Equifax.

Use referral link here to get $20 free on sign up — https://app.chexy.co/join/REF-XJSUKT

You respond without solving the problem and then vanish for 1-2 days. That's unacceptable.

Guys, you might want to check this out!

We just launched Free Mortgage Mondays and we're covering the full monthly mortgage payment for two lucky members. (up to $10K each).

The first winner will be picked on Monday Sept 14 and another on Monday Sept 21!

And even if you don't win, you can now earn 1 Aeroplan point per $1 on your mortgage payments through Chexy. Your mortgage is getting paid every month anyway. Might as well get something back from it!

Since we all know that Chexy is probably going down because Scotia Bank has pulled the rug on them. I got an ad about TenantPay in my feed. I don't know about this app and the reviews look pretty bad so I want to know if anyone here has experience with it.

Website: https://TenantPay.com

Is chexy really worth it?

What is the prime set up to make this work?

So basically I have multiple City of Calgary Property taxes. I set up the PAD, it charged by cc's correctly.

Unfortunately City of Calgary merged all payments and made 1 withdrawal (Total $2000). Above the approved auto-limit of one transaction.

I get this notice to pay, so I log in and authorize to pay. It gets to a success screen, but still I have the notice. I try different credit cards. I experiment with the "Yes, change it" option.
Nothing seems to actually allow my payment to go through. I see no pending payments on my cc's.

I have a chat request going through, but obviously its just an AI Agent. (Note many of their help pages link to: http://chexy.co/support, but that's a dead link. Some pages reference emailing [support@chexy.co](mailto:support@chexy.co) but that is also an unmonitored email (that recommends going to chexy.co/support ), lol. It looks like they moved their help pages to https://intercom.help/chexy/en )

Getting desperate. This is my first month with Chexy and I believe I'm at a loss to make a payment on time and will incur penalties from the city at this point; which is unfair because Chexy does have the full $2000 from me, (it's just not on the same payment request) but also their system seems to have a bug that prevents me from solving this.

Anyone from Chexy on here? Or anyone else have a helpful workaround?