Making a Payment

General

What are the fees for paying my taxes or bills with PaySimply?

Credit Card - 2.5% of your total payment amount.

PayPal - 2.5% of your total payment amount.

Interac e-Transfer - 1.0% of your total payment amount.

PayBright - No fee. Interest rate is determined by PayBright.

Alipay - 2.5% of your total payment amount.

In person with cash or debit at Canada Post - See below

$1.00 to $1,000.00 - $3.95 Fee

$1,000.01 to $2,000.00 - $5.95 Fee

$2,000.01 to $3,000.00 - $7.95 Fee


You can compare fees based on your payment amount when you select your payment option after you enter in your details.

Why does PaySimply charge fees?

PaySimply charges fees for the following reasons:

  • To improve and maintain PaySimply

  • Covering costs of our payment processors

  • Ensuring secure delivery of your payment

What payment options are available on PaySimply?

On PaySimply.ca

For CRA tax payments:

Credit card, Interac e-Transfer, PayPal account in Canada, in-person at Canada Post outlets (cash and debit) and Installment payments in partnership with PayBright.

For Alberta TRA tax and levy payments:

Credit card, Interac e-Transfer, PayPal account in Canada, in-person at Canada Post outlets (cash, and debit)

For municipalities, utilities, and school payments:

Credit card, Interac e-Transfer, PayPal account in Canada, Alipay, in-person at Canada Post outlets (cash and debit) and Installment payments in partnership with PayBright.


On the PaySimply mobile app

For CRA tax payments:

Credit card, Interac e-Transfer, and in-person at Canada Post outlets (cash and debit)

What are PaySimply’s per transaction limits?

Online transaction (credit card, Interac e-Transfer, PayPal, Alipay):

$50,000. However, the financial institution issuing your payment card, including those within a PayPal wallet, sets its own limit that may be lower than $50,000. Please contact your financial institution if you require an increase to the limit on your payment card.

In-person payment (cash and debit at Canada Post outlets):

Each in-person payment has a maximum value of $3,000, and you may use the same QR code to make multiple payments. However, the financial institution issuing your debit card also sets a daily spending limit that may be lower than the amount you require to pay. Also note that if you attempt to pay in person with cash or debit and your payment amount is greater than $10,000, the post office may reach their daily limit. If that occurs, the post office may use discretion to increase their daily limit or invite you to attend another post office to reach the total amount you intend to pay.

Installment Payments (In Partnership with PayBright)

The minimum amount you can pay using PayBright on PaySimply is $1,000, and the maximum amount is $15,000.

When will my payment be recognized as being made?

I'm not seeing my payment posted in my account, what's going on?

For CRA

Payments can take up to 8 business days to show up in CRA My Account and CRA My Business Account.

If it's not displayed in your account after 8 business days, contact CRA to confirm your payment has been received.

For municipality, utilities, and school bill payments, etc

Contact the recipient to confirm your payment has been received.

I never received my payment receipt, what should I do?

Please contact us within 5 business days of your payment.

Credit Card Payments

Will my credit card payment be considered a cash advance?

Not all cards are the same, please check with your card issuer to confirm whether a tax payment is considered a cash advance or involves any additional fees.

I received an error message when trying to pay by credit card. What does it mean?

Error 992

This error appears when you didn’t input the same information that your bank has in their records for the answers to their additional security questions. Mastercard SecureCode and Verified by Visa are additional levels of authentication that banks trigger for online purchases. Each bank has a different set of questions that they may ask you for this additional level of authentication, such as:

  • A different password than the customer’s online banking password

  • Date of Birth

  • Mother’s Maiden Name

Check the type (Visa or Mastercard) of credit card you’re using and contact your bank directly to let them know you’re having difficulty with Verified by Visa or Mastercard SecureCode (whichever applicable).

Bank Decline – Error 478, 481, or 483

These errors mean that your bank declined the transaction. PaySimply has no insight into why the bank declined the transaction. Please contact your credit card issuer directly and advise them that you were paying taxes with PaySimply and were on a Moneris “pay page” when you received the error. If paying by credit card is not an option, consider using our In-Person payment option at Canada Post outlets.

Credit Card Not Supported – Error 56

This error means that your credit card isn’t accepted on the PaySimply site as a payment method. This may be because your credit card processor or issuer doesn’t allow this type of transaction. Please contact your credit card issuer for more information. If you need to have the CRA recognize your payment sooner, consider using our In-Person payment option at Canada Post outlets.

Expired Credit Card – Error 482

Your credit card has expired. Please contact your credit card issuer and ask them to issue a new card. If you need to pay your taxes sooner, consider using our In-Person payment option at Canada Post outlets.

Call for Bank Authorization – Error 477

Your bank requires additional authorization before it will process a transaction on PaySimply. Please call your bank directly and describe that you intend to pay your taxes on the PaySimply website. If you need to pay your taxes sooner, consider using our In-Person payment option at Canada Post outlets.

I have a credit card that is associated with a loyalty program. Will I earn rewards/points/cash back for making a payment on PaySimply?

The awarding of rewards/points/cash back is solely at the discretion of your credit card issuer. While we have not heard of customers having rewards/points/cash back unawarded after paying by credit card on PaySimply, we cannot guarantee that you will receive rewards/points/cash back when making a payment and advise that you check with your credit card issuing company (contact details on the back of your card) on their specific terms and conditions in this regard.

Can I use a credit card issued by a foreign bank or pay taxes/bills from outside Canada?

Yes. However, in rare instances, a credit card's issuing bank may choose to impose restrictions preventing you from making a transaction on PaySimply.

You may consider using Interac e-Transfer in these instances since these payment methods do not impose location restrictions.

Interac e-Transfer Payments

Can I use my own question and answer for my Interac e-Transfer?

No, if you do this your Interac e-Transfer will not be accepted. You must use the question and answer provided to you.

In Person Payments at Canada Post

How do I make a CRA tax or government bill payment at Canada Post?

Present the QR code you received after making your in-person PaySimply transaction to the clerk at any Canada Post outlet. Ask the clerk to scan the QR code with their handheld scanner which should then present them with on-screen instructions to complete your payment.

Installment Payments with PayBright

How do installment payments work?

An Installment payment or installment loan is a type of loan that requires the borrower to make scheduled monthly payments towards the repayment of the loan. When you complete a successful Installment transaction, the biller you are paying will receive the full amount of your tax/bill payment, and you will enter into a loan agreement with PayBright, a third party loan provider.

Is there a fee to make a tax or bill payment with installments?

Yes, the fee you pay is determined by and payable to PayBright. The fees you pay are dependent on the length of your installment plan, credit history, and a number of other factors. You must complete an application with PayBright to determine your plan options and the associated fees payable to PayBright.

How do I make a tax or bill payment with PayBright?

  • PaySimply will redirect your browser to PayBright, a third party loan provider, where you will complete the installment loan application and receive a decision within minutes. Sometimes the decision is instant.

  • Agree to PayBright’s terms, conditions, and repayment schedule. Once you have done so, PayBright will redirect your browser back to PaySimply.

  • PaySimply will show you a completion page and send you a receipt by email.

  • Make your monthly payments to PayBright according to the agreement that you entered with them.

How do I make my monthly installment repayments to PayBright?

During the process of applying for an installment loan, you will be required to provide your banking information. This information is used to set up pre-authorized payments that will be automatically withdrawn from your bank account on a monthly basis. PaySimply (and Payment Source) do not have any ability to influence the agreement between you and PayBright.

Are there limits to the amount I can pay with PayBright?

The minimum amount you can pay using PayBright on PaySimply is $1,000, and the maximum amount is $15,000.

Who can apply for a PayBright Payment Plan?

Any individual who is the age of majority or older in their province of residence and who has a valid history of credit in Canada can apply.

Will everyone be approved for a loan from PayBright?

Unfortunately, PayBright may not accept every application, and that may be due to a multitude of reasons. Please contact PayBright if you have any questions about your application or if you are looking for more information. You can reach PayBright via telephone Monday-Friday from 9am to 7pm EST and Saturday-Sunday from 10am to 6pm EST, at 877-276-2780. Additionally you can send PayBright a message using the contact form found here.

How do I check my installment loan terms and other information about my tax or bill payment with PayBright?

All of the information regarding your payment plan can be found on your PayBright account. Log into your profile to review your terms, schedule, and connected bank account. You can login here.