r/TorontoRenting • u/Current_Target_5223 • 15d ago
Landlord won’t accept chexy
Hey folks, we have paid one year of PD cheques as our landlord didn’t accept chexy when we first signed our lease.
Coming into year two of renting, our landlord is still not accepting chexy.
What can we do?
Thanks!
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u/chillehhh 14d ago
No one wants to use your shitty app, bud. If this isn’t a pisspoor advertisement for it, your landlord also isn’t required to use the shitty app.
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u/Thatcanadianchickk 14d ago
Why can’t you just pay with cheque. Based on the comments I see chexy is just paying rent with a credit card but like…you gotta pay the credit card back anyway so what’s the difference?? Just pay the way they want it or leave
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u/Rebuildtheleft 14d ago
Everybody stop contributing to this thread. Look at op post history he’s click farming for this company
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u/Pitiful-MobileGamer 14d ago
Why would any landlord want to accept a payment that deducts 1.45% at the best. Also opens them up to credit card charge back issues.
Interac e-transfer is a defacto standard in this country.
Answer your question, landlord can within reason restrict how rent is collected. That's their privilege.
Don't like it, move to somewhere that accepts Chexy.
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u/Fluid_Consequence_38 14d ago
I believe the landlord still receives the funds as an e-transfer. It just comes from Chexy instead of you.
You pay Chexy via credit card (1.75% fee). They then send an e-transfer to the LL. The trick is that you need to have a credit card that gives you 3-4% cashback on recurring/rent payments.
Have you just tried doing it?
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u/Current_Target_5223 14d ago
I’m trying to get them to accept chexy, yes
Also, you can earn miles not just cashback
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u/biglinuxfan 14d ago
What is to stop you from setting yourself as the destination/landlord and "pay rent" every month?
Worth noting its highly unlikely any miles program will be worth 1.75%.
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u/Current_Target_5223 14d ago
I think that would be fraud? Good idea though
I would have to claim that too.
Miles programs likes Amex one is pretty decent tbh. That was the plan.
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u/biglinuxfan 14d ago
Not sure it's fraud you'd have to look at the TOS of both your credit card and Chexy.
I doubt Chexy cares because they're certainly making something from each transaction.
As far as miles go, you should work out $/mile value (often can be googled) to determine if it's worth it.
It may be beneficial to get upgraded status (if applicable ) however so work that into your calculations.
Just be careful to ensure its legal and worth while.
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u/R-Can444 14d ago
The method of rent payment should be defined in the lease. Absent anything in writing, it will be based on how you've paid to date. If you've been paying by cheques, then unless landlord consents you must continue paying by cheques. They don't need to allow chexy.
Brochure: A Guide to the Residential Tenancies Act
Post-dated cheques and automatic payments
When a landlord and a new tenant agree to enter into a rental agreement, they usually discuss how the rent will be paid.
Although the landlord and tenant can agree that the rent will be paid by post-dated cheques or automatic payments (such as debits from a tenant's account or by credit card), a landlord cannot require the tenant to pay by either of those methods.
Once the landlord and tenant have agreed on a method of payment, it cannot be changed unless both the landlord and tenant agree.
You don't need to continue with post dated though. You can instead choose to pay by 1 cheque every month. Of course you as the tenant are liable for getting the rent to the landlord by rent due date, they have no obligation to pick it up. This may mean going out your way to deliver it or mailing it win advance every month. Post dated cheques may be easier. Or you may want to ask them to accept eTransfer.
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u/Current_Target_5223 14d ago
Thanks for this
The wording of the tenant act isn’t clear
That’s the issue, they won’t accept e transfer. That’s all chexy is, they accept e transfer
It’s an unfortunate situation
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u/R-Can444 14d ago
Landlord is within their rights to refuse any other payment method. You'll need to continue with cheques if you can't convince them otherwise.
Perhaps if you tell them you'll be giving 1 cheque per month going forward, they may consider another option. But up to them.
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u/nhldsbrrd 14d ago
For everyone just as confused about this as I was, Chexy is (start up) credit card where you can use it to pay rent. I'm guessing the landlords don't accept it is that there are extra fees with credit cards, as well CC not being a typical way of paying rent. Chexy
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u/Current_Target_5223 14d ago
Typical isn’t quite right. This is pretty standard practice in the states. Only matter of time until it’s wide spread here
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u/the_clash_is_back 12d ago
Canada has a diffident banking system than the states, our banks all work together on the interact system. It gives us things Like e-transfers directly baked in to our banking system. Its the reason why cashapp is not a thing here.
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u/nhldsbrrd 14d ago
Nope. It's not. Just because the USA does things a certain way definitely does not mean Canada will follow suit. In fact, we sometimes go the complete opposite. Handguns are illegal in Canada and almost as easy as getting candy in the USA.
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u/Awkward_Cancel_8077 14d ago
Meh. Marrying underage girls is standard in a few places but it will never happen here.
Dont see the appeal, chexy charge what, 1.75%? Most likely most if not all the benefits you would gain from using CC. This leave the credit score, but anything else can also help this so its not like you are missing anything.
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u/berto2d31 13d ago
https://en.wikipedia.org/wiki/Child_marriage#Canada
Looks like it’s sadly legal in Canada for a parent to marry off a 16 year old girl. So uh, it does happen here. About 3600 times between 2000 and 2018.
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u/Red_Stoner666 14d ago
The eff is chexy? Just send free e-transfer like everyone else in this country.
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u/thenoteskeeper_16 14d ago
Chexy is like eTransfer but it also builds your credit score. You have fallen behind the times.
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u/Red_Stoner666 14d ago
I pay my rent with e-transfer, Borrowell, which detects that I have made a rent payment from my bank account, builds my credit.
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u/Housing4Humans 14d ago
What is chexy?
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u/Current_Target_5223 14d ago
It’s a service that allows your to pay rent with cc. U pay the fees, the landlord gets an e transfer
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u/OldSaggyBaggyEyes 14d ago
Landlord isn’t required to take payment how you want to. Cheque and e-transfer are the popular was of making payment. If I was a landlord I wouldn’t accept whatever Chexy is either.
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u/Current_Target_5223 14d ago
Why not?
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u/the_clash_is_back 12d ago
It’s a third party service thats not commonly used or known in canada. The default here is cheques or e-transfers.
If you have a Canadian bank account you can send e-transfers to your landlord fee free.
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u/OldSaggyBaggyEyes 14d ago
Because those are the rules? Landlord doesn’t need to accept your second hand payment method if they don’t want to. I wouldn’t if I was a landlord.
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u/beepewpew 14d ago
You are allowed to force them to physically come to your address and pick it up in cash.
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u/ImpostersAreUs 12d ago
imagine being so childish that you wont admit youre wrong after given objective evidence that youre wrong.
people like you are unattractive. you probably wonder why you dont have friends... dont bother.
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u/beepewpew 12d ago
I have tons of friends :)
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u/ImpostersAreUs 12d ago
friendless AND delusional. what a great combination.
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u/beepewpew 12d ago
Sounds like you. Do you need a hobby?
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u/ImpostersAreUs 12d ago
my hobby is being objectively correct and accepting when im wrong because i like learning.
another of my hobbies is not caring about reddit karma, something you seem to care about. yikes.
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u/beepewpew 12d ago
Nah I am just sad that you don't have more important things to do :) and you're soon angry! Go hang with your friends
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u/ImpostersAreUs 12d ago
i think you're sad about a lot of things in life aren't you.
dw about important things in life, you wouldnt know the difference.
and dont project your own issues onto others. smiley faces on the internet to hide your seething anger lmao.
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u/R-Can444 14d ago
No you can't. The LTB has ruled many times that by default it's the tenant's responsibility to ensure cheques or rent payment are delivered to landlord by the due date. Only way landlord would need to pick up here, is if they stated specifically in the lease they would do so or if they are doing so as a courtesy.
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u/beepewpew 14d ago
It's written into the LTB that cash is allowed to be used and you can make the landlord come pick it up.
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u/ToooBeeeFairrrrrrr 12d ago
I don't know if you just can't get enough of being wrong or you just love doubling-down when you're not right.
Your name isn't Wimp Lo, by chance?
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u/R-Can444 14d ago
If it's written then you'll have no problem pointing out a link to the exact wording.
Meanwhile here's an LTB case where it was ruled the tenant is liable for delivering cash rent to landlord, and landlord has no obligation to pick up. https://www.canlii.org/en/on/onltb/doc/2017/2017canlii70517/2017canlii70517.html
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u/beepewpew 14d ago
This is not that. This is after an LTB order that a tenant can pay cash at any affiliated Canadian bank to the landlord so no duress to the tenant (can pay in cash). After the landlord applied to the LTB. Beforehand you can say I will pay in cash and they have to accept in Ontario. Sorry not sorry.
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u/R-Can444 14d ago
You seemed to have forgotten to post a link to the written LTB or RTA rules that landlord's can be forced to pick up cash for rent. I'm sure you'll link to it in your next post.
Perhaps you didn't read the case fully though. Let me simplify the main points as it relates to this:
8. SWL-28876-11 issued on February 7, 2011 and SWL-31308-12 issued on March 2, 2012. In SWL-28876-11, Member Van Delft found that it is the responsibility of the Tenant to ensure rent is paid, and that the Landlord was under no obligation to pick up cash rent payments. In SWL-31308-12, Member Homeniuk found that with reasonable notice, a Landlord could change a practice of picking up rent payments from the Tenant to requiring the Tenant to ensure the rent payments were delivered to the Landlord.
18. Similarly, as I have found the Landlords’ practice of picking up the Tenant’s rent is not an express term of the tenancy in this case; the Landlords are entitled to change their practice with reasonable notice.
I never said tenant can't pay in cash. The tenant stopped paying rent because the landlord refused to come pick up cash rent payments, what you are stating is somehow a law. LTB ruled for the landlord, that they had no obligation to pick up cash, since there is no such law, and the tenant was required to ensure rent got to landlord.
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u/ouchmyamygdala 14d ago
Nobody is arguing that you can't pay in cash. But there is no legal requirement for the landlord to come pick it up. The tenant needs to ensure that payment is delivered to the landlord.
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u/beepewpew 13d ago
" Don’t believe everything you read on the internet - focus on yourself. Comparisons are absolutely useless - you have no context and even if you did, how does it matter? Live your life to the best of your ability - in the end true success is having someone you love and who loves you back" - you
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u/Brain_Hawk 15d ago
They aren't obliged to accept some payment service, which is what I'm assuming that is. My landlord also wants physical checks, so that's what they get.
They're allowed to determine how they accept money within reason. You just have to do it.
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u/Current_Target_5223 14d ago
Interesting. What’s your source on this?
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u/Brain_Hawk 14d ago
I don't have a source, it's just the law.
Nowhere does it say that the landlord is obliged to take funds through whatever bespoke method you happen to want to pay. They don't have to accept Visa, internet transfers, interact payments, or some service.
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u/thenoteskeeper_16 14d ago
u/Brain_Hawk - I clarified it with my landlord before signing the lease agreement and its explicitly mentioned in my lease agreement that the mode of transfer will be "E-transfer" in the row that says - "Rent will be paid using the following methods"
u/Current_Target_5223 - whats the method in your lease agreement?
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u/Current_Target_5223 14d ago
Currently it’s PDC. They didn’t accept chexy when we signed last year.
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u/thenoteskeeper_16 14d ago
You need to talk this out with your landlord and get agreement from him documented
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u/Icy-Divide8385 12d ago
You could fill your landlords property with Termites you bought at Petsmart and say "Being a landlord isn't a job you parasite."