{"id":130217,"date":"2026-02-16T12:30:00","date_gmt":"2026-02-16T17:30:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/municipal-taxes-credit-card\/"},"modified":"2026-04-21T09:31:36","modified_gmt":"2026-04-21T13:31:36","slug":"municipal-taxes-credit-card","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/guide\/municipal-taxes-credit-card\/","title":{"rendered":"Pay municipal taxes by credit card and earn points"},"content":{"rendered":"\n<p>Paying your municipal taxes by credit card is possible in Canada. Thanks to platforms such as Chexy, PaySimply, and Plastiq, you can turn this mandatory expense into an opportunity to earn points or cash back. Here is how to get the most out of every municipal tax payment.  <\/p>\n\n<p>In this guide, we compare the three main platforms, their fees, the cards they accept, and the best credit cards to use depending on your situation.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-pourquoi-payer-ses-taxes-avec-une-carte\">Why pay your taxes with a card<\/h2>\n\n<p>Canadian municipalities do not accept credit cards directly. Intermediary platforms\u2014Chexy, PaySimply, and Plastiq\u2014bridge that gap. You pay the platform by credit card, and it pays your municipality by bank transfer or cheque. The result: you earn points on an expense you had to pay anyway.   <\/p>\n\n<p>Municipal taxes often amount to several thousand dollars per year. Even with platform fees between 1.75% and 2.99%, the math works in your favour if your card earns more than those fees. And if you are aiming for a welcome bonus, this type of expense can help you reach the threshold in just a few payments.  <\/p>\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tBefore You Start\t\t\t<\/span>\n\t\t\t\t\n\n<p>Always pay your credit card balance in full each month. Otherwise, interest quickly cancels out the benefits you earned. Also, always include the platform fees in your profitability calculation.  <\/p>\n\n\t<\/div>\n<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-chexy-les-frais-les-plus-bas-du-marche\">Chexy: the lowest fees on the market<\/h2>\n\n<p>Chexy is a Canadian company founded in Toronto. It is the platform with the lowest fees in Canada for this type of payment: 1.75% for Canadian Visa, Mastercard, and American Express cards. One important detail: certain payment categories on Chexy require a Visa card. For municipal taxes, all three networks are accepted.   <\/p>\n<aside class=\"component component__notice component__notice--success wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-check-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tNew: Mastercard accepted on Chexy\t\t\t<\/span>\n\t\t\t\t\n\n<p>Since March 31, 2026, Chexy has accepted Canadian Mastercard cards in addition to Visa and American Express, at the same 1.75% rate. This is a long-awaited update for thousands of Mastercard cardholders in Canada. <\/p>\n\n\t<\/div>\n<\/aside>\n\n<h3 class=\"wp-block-heading\" id=\"h-comment-fonctionne-chexy\">How Chexy works<\/h3>\n\n<p>You create an account on chexy.co. You search for your municipality in the list of payees. You enter the amount to pay and select your credit card. Chexy charges your card, then pays your municipality three business days later. Plan your payment in advance to meet your deadlines.    <\/p>\n\n<p>The payee search is precise: try your city\u2019s name in French, in English, and with or without accents if you do not find it on the first try. Not all municipalities are available. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"h-meilleures-cartes-a-utiliser-sur-chexy\">Best cards to use on Chexy<\/h3>\n\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/scotia-momentum-visa-infinite-card\/\">Scotia Momentum Visa Infinite Card<\/a> remains our top pick for Chexy. It offers 4% cash back on recurring payments and subscriptions, the category in which Chexy transactions are generally coded. With a 1.75% fee, you earn a net profit of 2.25% on each payment.  <\/p>\n\n<p>Since Mastercard was added to the platform, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/mbna-rewards-world-elite-qc\/\">MBNA Quebec Rewards World Elite Mastercard<\/a> is also an excellent option. It earns 5% on recurring payments, for a net profit of 3.25% after Chexy fees. Note that BMO Mastercard cards do not earn points on Chexy.  <\/p>\n\n<p>To maximize a welcome bonus, several Visa and American Express cards offer substantial bonuses. Use the code <strong>MILES15<\/strong> to get $15 off your first recurring payment via Chexy (not applicable to one-time payments). <\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22637,25774\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div><div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-paysimply-l-option-gouvernementale\">PaySimply: the government option<\/h2>\n\n<p>PaySimply is a payment platform authorized by the Canadian government. It accepts Visa, Mastercard, and American Express, with a 2.5% fee. It is more expensive than Chexy, but PaySimply has a different payee network that may include certain municipalities not available elsewhere.  <\/p>\n<aside class=\"component component__notice component__notice--warning wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-exclamation-triangle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tMontreal and PaySimply\t\t\t<\/span>\n\t\t\t\t\n\n<p>The City of Montreal is no longer available as a payee via PaySimply. To pay your municipal taxes in Montreal by credit card, use Chexy. <\/p>\n\n\t<\/div>\n<\/aside>\n\n<p>PaySimply is a good option for triggering welcome bonuses on cards that accept transactions on this platform. Check that your card earns points on PaySimply before using it. <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-plastiq-la-flexibilite-avant-tout\">Plastiq: flexibility above all<\/h2>\n\n<p>Plastiq stands out for the breadth of its network. You can send a payment to almost any payee, even if they are not in a predefined list. Fees are 2.99% for most cards. If your municipality is not on Chexy or PaySimply, Plastiq may be your solution.   <\/p>\n\n<p>Plastiq also offers a welcome promotion: if you spend $2,500 within 30 days of signing up via our link, you get 0% fees on your next $1,000 in payments, for savings of $25.<\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-comparatif-des-trois-plateformes\">Comparison of the three platforms<\/h2>\n\n<div class=\"component component__table\"><figure class=\"wp-block-table is-style-stripes\"><table class=\"has-fixed-layout\"><thead><tr><th>Platform<\/th><th>Fees (Canadian cards)<\/th><th>Accepted cards<\/th><th>Montreal availability<\/th><\/tr><\/thead><tbody><tr><td><strong>Chexy<\/strong><\/td><td>1,75&nbsp;%<\/td><td>Visa, Mastercard, Amex<\/td><td>Yes<\/td><\/tr><tr><td><strong>PaySimply<\/strong><\/td><td>2,5&nbsp;%<\/td><td>Visa, Mastercard, Amex<\/td><td>No<\/td><\/tr><tr><td><strong>Plastiq<\/strong><\/td><td>2,99&nbsp;%<\/td><td>Visa, Mastercard, Amex<\/td><td>Yes (by cheque)<\/td><\/tr><\/tbody><\/table><\/figure><\/div>\n\n<h2 class=\"wp-block-heading\" id=\"h-meilleures-cartes-pour-vos-taxes\">Best cards for your taxes<\/h2>\n\n<p>Your choice of card depends on your goal. If you want to maximize cash back on Chexy, the Scotia Momentum Visa Infinite Card (4%) and the MBNA World Elite Mastercard (5%) are the best options. If you are aiming for a strong welcome bonus, the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/the-platinum-card\/\">American Express Platinum Card<\/a> offers up to 100,000 points (70,000 points for $10,000 in spending in the first 3 months, plus 30,000 points between months 15 and 17).  <\/p>\n\n<p>For the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/american-express-aeroplan-reserve-card\/\">Aeroplan American Express Prestige Card<\/a>, see the card page for the current welcome offer.<\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22616,108763\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div><div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n<h3 class=\"wp-block-heading\" id=\"h-cartes-recommandees-selon-la-plateforme\">Recommended cards by platform<\/h3>\n\n<p>On <strong>Chexy<\/strong>: prioritize cards that offer a high earn rate on recurring payments. The Scotia Momentum Visa Infinite and the MBNA World Elite Mastercard stand out. On <strong>PaySimply<\/strong>: Visa, Mastercard, and American Express cards all work. On <strong>Plastiq<\/strong>: same logic, factoring the higher fees into your calculation.   <\/p>\n\n<h2 class=\"wp-block-heading\" id=\"h-comment-calculer-si-ca-vaut-la-peine\">How to calculate whether it is worth it<\/h2>\n\n<p>The calculation is simple. If your card earns more than the platform fees, the strategy is profitable. Example: you pay $5,000 in municipal taxes via Chexy (fees: $87.50). With the Scotia Momentum Visa Infinite at 4%, you earn $200 in cash back. Net profit: $112.50, without changing your habits.    <\/p>\n\n<p>If your goal is a welcome bonus, even a card with a modest earn rate can be worthwhile. Paying $100 in fees to trigger a $1,000 bonus in points is a good deal. <\/p>\n<aside class=\"component component__notice component__notice--info wp-block-milesgutenberg-notice\">\n\t\t\t\t<i class=\"fas fa-info-circle\"><\/i>\n\t\t<div class=\"component__notice__content\">\n\t\t\t\t\t<span class=\"h6 component__notice__title\">\n\t\t\t\tCurrent offer: Chexy x Aeroplan\t\t\t<\/span>\n\t\t\t\t\n\n<p>Until April 30, 2026, new Chexy members who make $10,000 or more in eligible tax payments to the CRA or Revenu Quebec can earn an additional 2,000 Aeroplan points. This offer can be combined with other Chexy x Aeroplan offers. <\/p>\n\n\t<\/div>\n<\/aside>\n\n<h2 class=\"wp-block-heading\" id=\"h-consultez-nos-meilleures-cartes\">See our best cards<\/h2>\n\n<p>Looking for the ideal card to pay your taxes and earn points? Check out our selection of the <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/\">best credit cards in Canada<\/a> and subscribe to our <a href=\"https:\/\/milesopedia.com\/en\/newsletter\/\">newsletter<\/a> so you do not miss any welcome offers. <\/p>\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='6'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--6 container_count--lots'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,22724,22739,270728,22642,22621\"\n\t\t\t\t\t\t\tdata-utm=\"cta-mois\"\n\t\t\t\t\t\t\t>\n\t\t\n    <div class=\"card card-list card-list-header\">\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n        <div class=\"shimmer shimmer-bar shimmer-dark shimmer-bar--short card-specs--title\"><\/div>\n    <\/div>\n\n\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n<aside class=\"component component__promo__banner wp-block-milesgutenberg-promo-banner\">\n\t<i class=\"fontawesome-icon\">\n<svg width=\"16\" height=\"16\" viewBox=\"0 0 512 512\" aria-hidden=\"true\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t   <path fill=\"currentColor\" d=\"M48 64C21.5 64 0 85.5 0 112c0 15.1 7.1 29.3 19.2 38.4L236.8 313.6c11.4 8.5 27 8.5 38.4 0L492.8 150.4c12.1-9.1 19.2-23.3 19.2-38.4c0-26.5-21.5-48-48-48L48 64zM0 176L0 384c0 35.3 28.7 64 64 64l384 0c35.3 0 64-28.7 64-64l0-208L294.4 339.2c-22.8 17.1-54 17.1-76.8 0L0 176z\"\/>\n\t\t  \t<\/svg>\n<\/i>\t<div class=\"component__promo__banner__content\">\n\t\t<div>\n\t\t\t\t\t\t\t<span class=\"component__promo__banner__title\">\n\t\t\t\t\tNe ratez rien&nbsp;!\t\t\t\t<\/span>\n\t\t\t\t\t\t\n\t\t\t\n\n<p>News, great deals, and updates directly to your inbox.<\/p>\n\n\t\t<\/div>\n\t\t\t\t\t<div>\n\t\t\t\t<a class=\"inline-btn component__promo__banner__button\" href=\"https:\/\/milesopedia.com\/infolettre\/\" target=\"_blank\" rel=\"noopener noreferrer external\" title=\"Recevez notre newsletter chaque semaine&nbsp;!\">\n\t\t\t\t\tJe m&#039;inscris\t\t\t\t<\/a>\n\t\t\t<\/div>\n\t\t\t<\/div>\n\t<div class=\"miles-clouds\"><img decoding=\"async\" src=\"https:\/\/milesopedia.com\/wp-content\/themes\/milesopedia\/images\/clouds.png\" alt=\"Milesopedia\" loading=\"lazy\"><\/div><\/aside>\n\n<h3 class=\"wp-block-heading\" id=\"h-taxes-municipales-par-carte-questions-frequentes\">Municipal taxes by card \u2013 Frequently asked questions<\/h3>\n<aside class=\"component component__faq wp-block-milesgutenberg-faq wp-block-milesgutenberg-faq\">\n\t\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"does_chexy_accept_mastercard_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tDoes Chexy accept Mastercard?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes. Since March 31, 2026, Chexy has accepted Canadian Mastercard cards at the same rate as Visa and American Express, i.e., a 1.75% fee. Some payment categories remain limited to Visa depending on payee rules, but municipal taxes accept all three networks. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"can_you_pay_montreal_taxes_by_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tCan you pay Montreal taxes by card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, via Chexy. The City of Montreal is available in Chexy\u2019s list of payees. PaySimply no longer offers Montreal as a payee. Plastiq can process the payment, but only by cheque.   <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"what_fees_apply_when_paying_by_card_via_chexy_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhat fees apply when paying by card via Chexy?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Chexy charges 1.75% for Canadian Visa, Mastercard, and American Express cards. International cards are charged 2.5%. This is the most competitive rate in the Canadian market compared to PaySimply (2.5%) and Plastiq (2.99%).  <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"which_card_earns_the_most_on_chexy_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tWhich card earns the most on Chexy?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>For cash back, the MBNA Quebec Rewards World Elite Mastercard offers 5% on recurring payments (net profit of 3.25% after Chexy fees). The Scotia Momentum Visa Infinite Card offers 4% (net profit of 2.25%). Note that BMO Mastercard cards do not earn points on Chexy.  <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n\n<div class=\"component component__faq__item component__faq__item--opened wp-block-milesgutenberg-faq-item__title wp-block-milesgutenberg-faq-item\">\n\t<div class=\"component__faq__item__title\">\n\t\t<h4 id=\"is_it_worth_paying_your_taxes_by_card_\" class=\"toc_exclude component__faq__item__title__heading\">\n\t\t\tIs it worth paying your taxes by card?\t\t<\/h4>\n\t\t<i class=\"fas fa-chevron-down\"><\/i>\n\t<\/div>\n\t<div class=\"component__faq__item__content\">\n\t\t<div class=\"component__faq__item__content__inner\">\n\t\t\t\n\n<p>Yes, if your card earns more than the platform fees. With the Scotia Momentum Visa Infinite at 4% on Chexy (1.75% fee), you earn a net profit of 2.25% per payment. You must always pay your balance in full for the strategy to be worthwhile.  <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div>\n\n<\/aside>","protected":false},"excerpt":{"rendered":"<p>Paying your municipal taxes with a credit card in Canada allows you to earn points on an essential expense. Thanks to third-party payment providers like Chexy or PaySimply, this strategy can generate significant rewards. Here&#8217;s how to proceed effectively.  <\/p>","protected":false},"author":2488,"featured_media":192176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45830],"tags":[],"mc_loyalty_program":[],"class_list":["post-130217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guide","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pay municipal taxes by credit card and earn points | Milesopedia<\/title>\n<meta name=\"description\" content=\"Pay your municipal taxes with a credit card in Canada and earn points through third-party payment providers. 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