Pay your bills with a credit card on PaySimply

The PaySimply Service for Paying Bills

With PaySimply – a Canadian company- you can pay many bills using a credit card.

Named one of Canada’s best-run companies, it is a partner of the Canada Revenue Agency, Revenue Quebec and Canada Post.

Pay a Variety of Bills With Your Credit Card on PaySimply - Paysimply Arc Fr

Payees Accessible with PaySimply

With PaySimply, you can pay many types of bills with a credit card:

Canada Revenue Agency: source deductions, GST/HST, corporate income tax (T2), excise duty, excise tax, Air Travellers Security Charge (ATSC), tax on insurance premiums, information return, fuel levy, Nova Scotia Workers’ Compensation Board, Part XIII non-resident withholding tax, personal income tax (T1), and benefit repayments and credits, Canada Emergency Benefit repayment
Municipal governments: municipal taxes, school taxes, water and sewer taxes, etc.
Private schools, colleges and universities: tuition fees, residence fees, study fees, etc.
Utility accounts: electricity bills, gas bills, etc.
Alberta Tax and Revenue Administration
Revenu Quebec: for businesses and individuals

The site can be used in French and English. Additionally, there is no need to create an account or profile for new customers. You just need to conduct your transactions, select the bill issuer, and pay.

Pay a Variety of Bills With Your Credit Card on PaySimply - paysimply

It is possible to search the list of issuers. Here’s an example of a search using the keyword “City of “:

Pay a Variety of Bills With Your Credit Card on PaySimply - ville de paysimply

This makes it easy to see:

The municipal administration for payment of municipal and school taxes (or fines… oops!)
Various private schools, colleges and universities
Some companies

Here’s another example with the keyword “insurance”:

Pay a Variety of Bills With Your Credit Card on PaySimply - assurance paysimply

Compare

Marriott Bonvoy^® American Express^®* Card

American Express Marriott Bonvoy

Annual fee: $120
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Total$600Plus $100 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $600
Welcome offerAfter $3,000 in 3 months: Up to 70,000 points

The Marriott Bonvoy^® American Express^®* Card is the best credit card in Canada for free hotel nights.

New Cardmembers can earn up to 70,000 Marriott Bonvoy^® points with the current offer:

Earn up to 60,000 points after you spend $3,000 on your Card in your first 3 months of Cardmembership.
Plus, earn 10,000 points after you spend $500 on your Card in your 13th month of Cardmembership.

The annual fee is $120, and there is no annual fee on Additional Cards, so you can add a partner or a family member at no extra cost.

Every year after your first Card anniversary, you receive an Annual Free Night Award good for a redemption of up to 35,000 points at eligible hotels and resorts worldwide. At a valuation of 0.9 cents per Marriott Bonvoy point, that certificate is worth roughly $315, which on its own more than covers the $120 annual fee. That is the main reason to keep this Card year after year instead of cancelling it.

To get the most out of the certificate, aim it at a night that would otherwise price close to the 35,000 point ceiling.

The Card also gives you 15 Elite Night Credits each calendar year and automatic Marriott Bonvoy Silver Elite status. Those credits count toward the next Elite tier, so you begin every year 15 nights ahead of where you would otherwise start.

You move up to Gold Elite status automatically when you reach $30,000 in purchases on the Card in a year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your Card.

Marriott Bonvoy points are generally valued at 0.9 cents each. On that basis, the 70,000 point welcome offer is worth about $630, and an Annual Free Night Award used at its full 35,000 point ceiling is worth about $315.

Marriott Bonvoy points pull their weight on free nights rather than on gift cards or merchandise, which is why this Card should be judged on the hotel stays it produces.

You earn 5 points per dollar on eligible purchases at participating Marriott Bonvoy hotels and 2 points per dollar on all other purchases. Points can be redeemed for free nights with no blackout dates at more than 7,000 hotels around the world.

The Card carries a solid package of coverages: $500,000 travel accident insurance, flight delay, baggage delay, lost or stolen baggage and hotel or motel burglary at $500 each, car rental theft and damage up to $85,000 for rentals of up to 48 days, Purchase Protection for 90 days and a one year Extended Warranty.

Two things to plan around: the 2.5% foreign transaction fee on purchases made in a foreign currency, and the 21.99% purchase interest rate, which makes this a Card to pay in full every month. Like all American Express Canada Cards, no minimum income is published for this Card, and you can see whether you would be approved before you apply, with no impact on your credit score.

Legal

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$120

Additional card$0

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

5xMarriott Bonvoy hotels
2xAll spending

Value

1st Year Value$1,110

2nd Year Value$312

Travel insurance

Delayed BaggageUp to $500

Lost BaggageUp to $500

Flight DelayUp to $500

Hotel BurglaryUp to $500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

PaySimply Fees and Payment Methods

Of course, like any credit card bill payment service, there are processing fees associated with using PaySimply:

Payment method	Fees
Credit cards Visa, Mastercard, American Express, UnionPay	2,49% à 2,5%
PayPal (Canadian accounts only)	2,5%
Canada Post (cash or debit)	$3.95 – $7.95
Interac	1%

Here’s an example from the city of Quebec for municipal taxes paid with a credit card:

Pay a Variety of Bills With Your Credit Card on PaySimply - ville de quebec taxes

Even Hydro Quebec is listed:

Pay a Variety of Bills With Your Credit Card on PaySimply - plastiq hydro quebec

Or the Société de l’Assurance Automobile du Quebec (SAAQ):

Pay a Variety of Bills With Your Credit Card on PaySimply - saaq paysimply

Credit Cards to Use on PaySimply

Paying bills via PaySimply is only interesting for earning reward points. In fact, I wouldn’t recommend using a credit card if your aim is to spread out your payments: the interest charges paid on top of PaySimply fees will be high. You’re better off paying directly from your checking account.

Similarly, no credit card offers a sufficient return on bill payments to offset the 2.5% fee. We therefore only recommend PaySimply for credit cards offering a large welcome bonus but requiring you to spend a lot of money in a few months.

The credit cards that offer the most substantial welcome bonuses in Canada are from American Express, particularly with their small business cards (which are also available to individuals).

Here are some current offers:

Our credit card selection
Credit card	Annual fee	Welcome offer
Business Platinum Card^® from American Express Apply NowCompare	Annual fee$799	Welcome offerAfter $15,000 in 3 months Up to 120,000 points After $15,000 in 3 months	Apply NowCompare
American Express Cobalt^® Card Apply NowCompare	Annual fee$191.88	Welcome offerGet 1,250 points after $750 in purchases per month for 12 months Up to 15,000 points Get 1,250 points after $750 in purchases per month for 12 months	Apply NowCompare
American Express^® Aeroplan^®* Reserve Card Apply NowCompare	Annual fee$599	Welcome offerAfter $7,500 in 3 months Up to 85,000 points After $7,500 in 3 months	Apply NowCompare
American Express^® Aeroplan^®* Business Reserve Card Apply NowCompare	Annual fee$599	Welcome offerAfter $10,500 in 3 months Up to 90,000 points After $10,500 in 3 months	Apply NowCompare
American Express^® Business Gold Rewards Card^® Apply NowCompare	Annual fee$199	Welcome offerAfter $30,000 in 12 months Up to 70,000 points After $30,000 in 12 months	Apply NowCompare

The Best Credit Cards to Use on PaySimply Right Now

To make it all worthwhile, here are the best welcome offers available.

Synchronize your credit card application with future payments:

Professional orders;
Municipal taxes;
Or taxes to pay.

Then use PaySimply to unlock a great bonus. In return, you’ll have collected a ton of points for your future all-inclusive trip, your next getaway to Walt Disney World or to pay for all your accommodation on a road trip.

Here are the best current offers:

Our credit card selection
Credit card	Annual fee	Welcome offer
Marriott Bonvoy^® American Express^®* Card Apply NowCompare	Annual fee$120	Welcome offerAfter $3,000 in 3 months Up to 70,000 points After $3,000 in 3 months	Apply NowCompare
Scotiabank Passport^® Visa Infinite +* Card Apply NowCompare	Annual fee$150	Welcome offerAfter $2,000 in 3 months Up to 35,000 pointsEnds Nov 1, 2026 After $2,000 in 3 months	Apply NowCompare
SponsoredTD First Class Travel^® Visa Infinite* Card Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$139 $0First Year Annual Fee Rebate	Welcome offerAfter $7,500 in 6 months Up to 160,000 points After $7,500 in 6 months	Apply NowCompare
FeaturedRBC Avion Visa Infinite Card Apply NowCompare	Annual fee$120	Welcome offer35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply. Up to 70,000 pointsEnds Nov 25, 2026 35,000 points after approval; 20,000 after $5,000 in eligible transactions within 6 months; 15,000 credited 12–16 weeks after the first account anniversary. Eligible account must remain open and in good standing; offer terms and posting times apply.	Apply NowCompare
ExclusiveNational Bank World Elite^® Mastercard^® Apply NowCompare	Annual feeFirst Year Annual Fee Rebate$150 $0First Year Annual Fee Rebate	Welcome offer$150 annual fee rebated First Year Annual Fee RebateEnds Nov 4, 2026 $150 annual fee rebated	Apply NowCompare

Review on Paysimply in Canada

The PaySimply service is an alternative solution to Plastiq.com.

However, some providers still don’t accept credit cards through PaySimply (sometimes, you can bypass this when using PayPal). You’ll have to turn to other services like Plastiq.

Compare

Business Platinum Card^® from American Express

Business American Express Amex Membership Rewards

Annual fee: $799
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,360Total$1,360Plus $680 of bonus paid after the first year, not counted in this total.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,360
Welcome offerAfter $15,000 in 3 months: Up to 120,000 points

Earn up to 120,000 points with this welcome offer for the American Express Business Platinum Card:

80,000 Membership Rewards points for $15,000 net purchases within the first 3 months of membership
40,000 additional points if you make a purchase between the 15th and 17th month after enrollment

You can use your Membership Rewards points in many ways:

Transfer your points to airline partners: Aeroplan Avios (British Airways, Qatar Airways, Finnair, Iberia), Flying Blue, Delta Skymiles, etc.
Transfer your points to hotel programs (Hilton Honors, Marriott Bonvoy)
Redeem your points for statement credits to offset any eligible purchase charged to your Card (1,000 points = $10)
And more!

120,000 points have a minimum value of $1,200 for a Statement credit, and much more if you transfer your points to a partner.

For example, with this welcome offer, if you decide to transfer your Membership Rewards points to a partner loyalty program, you would have the choice of earning up to :

120,000 Aeroplan points
120,000 Avios
120,000 Flying Blue Miles
144,000 Marriott Bonvoy points

With this Card, you earn 1.25 Membership Rewards points per dollar on all purchases. What’s more, you’ll enjoy a host of travel and business benefits:

Complimentary access for you and one additional guest to over 1,400 airport lounges in over 130 countries
$200 Annual travel credit
$100 Card Statement Credit for Nexus
Marriott Bonvoy Gold Elite status
Hilton Honors Gold Elite status
Access to the Fine Hotels and Resorts program
Up to $120 in eligible Wireless Credits each year

With this Card you can maximize your cash flow with up to 55 interest free days. It is a card that is particularly appreciated by contractors when making large purchases in home improvement stores, for example.

Last but not least, Business Platinum Card^® from American Express offers a wide range of insurance coverage: rental car theft and damage, $500,000 travel accident, emergency medical expenses (out-of-province or out-of-country), lost or stolen baggage, flight delays and misdirected baggage, hotel or motel burglary, Purchase Protection, Purchase Security.

Like all American Express Canada Cards, there is no minimum income requirement.

Legal

*Terms and conditions apply.
American Express is not responsible for maintaining or monitoring the accuracy of the information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, we may receive compensation from American Express, which can be in the form of monetary payment.

Annual fee

Primary card$799

Additional card$250

Annual income required

Individual$0

Household$0

Conversion fees

2.5%

Earning rate

1.25xAll spending

Value

2nd Year Value$311

Transfer partners

AeroplanAirline
British Airways ClubAirline
Cathay Asia MilesAirline
Etihad GuestAirline
Marriott BonvoyHotel

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days

Travel medical (55-64)Up to $5,000,000 / 15 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $1,500

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $1,000

Hotel BurglaryUp to $1,000

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Auto Rental Collision (primary)Up to $85,000 / 48 days

How long does it take PaySimply to process the request?

This varies according to the issuer of the invoice.

Most of the time, it takes PaySimply 3 days to receive and settle the funds. Then add the time it takes for the biller to remit the payment to your account, which will vary by a few additional days.

How does PaySimply work?

PaySimply acts as an intermediary for the payment of your invoices.

You make a transaction on the PaySimply site to pay an account, while paying with your credit card. Your credit card is charged, and PaySimply forwards your payment to the bill issuer (government organizations, businesses of all sizes, utilities, etc.).

Does www.PaySimply.ca use Paypal?

Yes!

The processing fee is 2.5% and is reserved for PayPal accounts in Canada only.