Air Canada

CA · aircanada.com

A Canadian first! Earn Aeroplan points on your mortgage

Earn 1pt/$1 spent on your mortgage payments with Chexy.

This email was sent

August 20, 2026 6:26pm EDT

Is this your brand on Milled? Claim it.

Matte tone:

0 pts⁺

NEW

Make mortgage payments more rewarding!

As an Aeroplan Member, you can now earn points on your mortgage payments when you sign up for Chexy.

Learn more

Everyday earning is that easy

Why not earn points on payments you’re already making? Automatically earn 1 point for every $1 you spend on mortgage payments.^†
Plus, for every 5 Aeroplan points earned, you can get 1 Status Qualifying Credit (SQC)*, getting you closer to the next status!

Web version

Terms & Conditions | Contact us | Update Profile

Experience award‑winning travel with our partner Air Canada, a Star Alliance Member.

SKYTRAX World Airline Awards 2025 Best Airline in North America

You have been sent this email because you are subscribed to receive Aeroplan promotional communications via email. If you no longer wish to receive them, you can unsubscribe.

⁺The Aeroplan points balance displayed in this email may not accurately reflect your current points balance. To view your points balance, account activity and more, please visit your Aeroplan dashboard.

Please do not reply to this email.
Mailing address: Aeroplan Centre, P.O. Box 24000, Station Pointe‑Claire Dorval, Pointe‑Claire (Quebec) Canada H4Y 1K4.
Learn more about Aeroplan's 18‑month inactivity policy on our website.

^†These Terms and Conditions (the “Terms”) govern your use of the Chexy Mortgage Payments service that allows you to make residential mortgage payments and earn Aeroplan points (the “Service”). The Service is operated by Chexy Inc. (“Chexy”, “we”, “us” or “our”). These Terms are in addition to Chexy’s Terms of Use and Privacy Policy (chexy.co/privacy-policy), each incorporated by reference. Capitalized terms not defined here have the meaning given in the Terms of Use.
These Terms are in addition to, and do not replace, the Aeroplan Program Terms and Conditions established by Aeroplan (available at aircanada.com/aeroplan). Aeroplan Points earned through the Service are subject to those Aeroplan Program terms, which Aeroplan may amend at any time.
1. Definitions
“Aeroplan Member / Member” an individual who holds a valid Aeroplan membership and Aeroplan Account in good standing.
“Aeroplan Account” a Member’s account under the Aeroplan Program.
“Aeroplan Number” the unique Aeroplan Account number assigned to an Aeroplan Member.
“Aeroplan Points / Points” the loyalty points that an Aeroplan Member may accumulate and redeem in the Aeroplan Program in accordance with the Aeroplan Program Terms and Conditions.
“Aeroplan Program” the customer loyalty rewards and recognition program operated by Aeroplan Inc. and known as “Aeroplan”.
“Aeroplan Program Terms and Conditions” the terms, conditions, policies and procedures established by Aeroplan from time to time governing all aspects of an Aeroplan Member’s participation in the Aeroplan Program including membership eligibility and terms and conditions governing the accumulation and redemption of Aeroplan Points by Aeroplan Members.
“Chexy Wallet” the record of funds collected from you and held, pending remittance, in Chexy’s trust account maintained with Peoples Trust Company, from which Chexy remits the Payment Amount to your Eligible Lender.
“Eligible Lender” any lender or servicer of a residential mortgage in Canada. All Canadian residential mortgage lenders qualify for the Service.
“Funding Method” the method you authorize Chexy to use to collect funds from you, being either (a) an eligible Visa Debit or Debit Mastercard card, or (b) a pre‑authorized debit from your Canadian deposit account, as described in Section 5.
“Mortgage Payment” a regularly scheduled or lump‑sum payment owing by you under your residential mortgage to an Eligible Lender, which you instruct Chexy to remit on your behalf.
“Payment Amount” the amount of your Mortgage Payment that Chexy remits to your Eligible Lender, exclusive of the Service Fee.
“Service Fee” the fee Chexy charges you for the payment service. The standard Service Fee is 1.75% of the Payment Amount. Chexy Plus members may also qualify for a lower Service Fee; Chexy Plus pricing is subject to change at any time. Service Fees are otherwise subject to change, and the applicable Service Fee is disclosed to you before you confirm each Mortgage Payment.
“Transaction” a single instance of you making a Mortgage Payment through the Service.
“You / your” the individual who enrolls in and uses the Service.
2. Eligibility
To enrol in and use the Service, you must:

be an individual resident of Canada who has reached the age of majority in your province or territory of residence;
be a current Aeroplan Member with an Aeroplan Account in good standing in accordance with the Aeroplan Program Terms and Conditions, and add a valid Aeroplan Number to your Chexy account.
be a borrower (or otherwise authorized to make payments) under a residential mortgage held with an Eligible Lender;
hold a valid Funding Method; and
complete Chexy’s account set‑up and identity verification requirements.

Your Chexy account must be registered in the same name as your Aeroplan Account, and only one Aeroplan Number may be associated with a Chexy account at a time. We may decline, suspend or terminate enrolment at our discretion, including for fraud prevention, legal or regulatory compliance, or network or partner rules.
3. Nature of the Service; Chexy Acts as Principal

Chexy provides the Service to you as principal, in its own name and for its own account. Chexy does not act as your agent, or as agent of your Eligible Lender or of Aeroplan or Air Canada, in providing the Service.
Chexy controls the payment service before it is provided to you: it receives your funds into the Chexy Wallet, determines the manner in which the Payment Amount is remitted, and is primarily responsible to you for delivering the payment service.
Chexy sets the Service Fee at its own discretion and bears the risks of providing the Service, including the risk of payment failure, return, reversal, chargeback and fraud.
The Aeroplan Points you earn are a promotional benefit that Chexy funds and provides to you. Chexy remits payment to Aeroplan for these Points, and instructs Aeroplan to distribute these Points, at its own cost and risk. Chexy instructs Aeroplan to distribute these Points to you as an incentive to use, and continue using, the Service. The Service Fee is the price for the payment service; it is not a payment for Points, and it is not reduced, rebated or offset by the Points you earn. You pay the same Service Fee whether or not Points are credited to your Aeroplan Account.
For clarity, Chexy is not a mortgage lender, mortgage broker, financial advisor or party to your mortgage, and does not provide lending, credit, tax or financial advice. The Payment Amount is funds passing through Chexy to your Eligible Lender and is not Chexy’s property or revenue.

4. How Payments Work

When you confirm a Mortgage Payment, Chexy collects the Payment Amount plus the Service Fee from your Funding Method into the Chexy Wallet, and then remits the Payment Amount to your Eligible Lender using the lender’s accepted channel (for example, pre‑authorized debit or bill payment). If your Eligible Lender does not accept a payment channel that Chexy supports, Chexy may be unable to complete the Mortgage Payment.
Funds you provide are received into Chexy’s trust account maintained with Peoples Trust Company. Peoples Trust Company acts as the pre‑authorized debit processor for the Service.
You are solely responsible for ensuring your Mortgage Payment details are accurate, scheduled correctly, and made on time. Chexy is not responsible for late fees, interest, penalties or other consequences arising from incorrect details you provide, insufficient funds, or your Eligible Lender’s processing of a payment.
Processing times depend on your Funding Method and Eligible Lender. We will generally debit your Funding Method for the Mortgage Payment on or around the same day that your Eligible Lender ordinarily collects your mortgage payment, and remit the Payment Amount to your Eligible Lender accordingly. All timing is approximate, is not guaranteed, and may change at any time.
Chexy does not impose a minimum or maximum Mortgage Payment amount. Funding may, however, be subject to limits set by your card issuer or financial institution (for example, daily debit‑card limits).
You may schedule recurring Mortgage Payments and are responsible for cancelling or amending a scheduled payment before it is processed.

5. Funding Methods

Debit card. You may fund a Mortgage Payment using an eligible Visa Debit or Debit Mastercard card. You authorize Chexy to charge your card for the Payment Amount plus the Service Fee. Your card issuer’s limits and terms apply.
Pre‑authorized debit (deposit account). If you fund from your Canadian deposit account, you provide a pre‑authorized debit (PAD) authorization permitting Chexy and its PAD processor, Peoples Trust Company, to debit your account for the Payment Amount plus the Service Fee. This is a personal PAD under Payments Canada Rule H1. You confirm that all persons required to authorize debits on the account have agreed.
Variable amounts; waiver of pre‑notification. Your Mortgage Payment may change over time (for example, after a mortgage rate change), and you agree that the amount Chexy debits under your PAD may vary accordingly. To the extent permitted by Payments Canada Rule H1, you waive the advance (pre‑notification) notice of the amount and date of each variable debit that would otherwise be required (generally at least 10 calendar days). You may revoke this waiver or cancel your PAD authorization at any time on notice to Chexy.
Tolerance and true‑up. You can set a tolerance threshold in the Chexy app for automatic adjustments (and change it at any time). Where the amount owing to the same payee changes, up to your selected threshold, from your previous payment, you authorize Chexy to automatically charge or refund the difference to or from your Chexy Wallet and to process the payment without further notice. If you have not set a threshold, a default of $500 applies. Where the change exceeds your threshold, Chexy will contact you to confirm and will not process the changed amount without your confirmation. Chexy provides a confirmation of each debit.
You may have certain reimbursement and cancellation rights if a debit is not consistent with your PAD authorization. More information is available from your financial institution or at payments.ca. You must maintain sufficient funds and a valid Funding Method and keep your details current.

6. Earning Aeroplan Points

For each completed Mortgage Payment, you earn one (1) Aeroplan Point for every one Canadian dollar ($1.00) of the Payment Amount (the amount remitted to your Eligible Lender, excluding the Service Fee). Points are calculated per Transaction and rounded down to the nearest whole Point.
There is no cap on the number of Aeroplan Points you may earn through the Service; however, this benefit and any associated earning limits are subject to change.
A Mortgage Payment is completed once it has been successfully processed and delivered through bill payment or Interac e‑Transfer, or withdrawn and settled through pre‑authorized debit, regardless of the Funding Method used. Points are earned when a payment is completed through the Chexy Wallet and will generally appear in your Aeroplan Account within approximately 8‑10 weeks.
Aeroplan Points provided through the Service are funded by Chexy and Chexy instructs Aeroplan to distribute these Points to your Aeroplan Account. Points are not issued by Chexy itself and, once credited, are governed solely by the Aeroplan Program Terms and Conditions.
Points are earned only on Mortgage Payments that remain valid, completed and not reversed. If a payment is later cancelled, reversed, refunded, disputed or returned, or is returned due to insufficient funds, payment failure or chargeback, no Points are earned and Chexy reserves the right to request Aeroplan to remove the associated Points from your Aeroplan Account.
Aeroplan Points have no cash value, are non‑transferable except as permitted by the Aeroplan Program Terms and Conditions, and are not redeemable for cash. Aeroplan is responsible for the Aeroplan Program and may change, suspend or terminate it, or change the value, availability or terms of Aeroplan Points, at any time.

7. Adjustments, Errors and Discrepancies

Chexy reserves the right to request Aeroplan to add, remove or correct Aeroplan Points issued in error.
If you believe there is a discrepancy relating to Aeroplan Points earned through Chexy, contact Chexy Customer Support at intercom.help. You must notify Chexy within twelve (12) months of the relevant Transaction.

8. Your Responsibilities and Prohibited Use
You agree that you will not use the Service to:

make payments that are not bona fide residential mortgage payments owing by you to a third‑party Eligible Lender;
engage in money laundering, terrorist financing, fraud or any unlawful activity;
make payments where the payer and recipient are effectively the same person or entity;
create multiple Chexy accounts, or otherwise artificially generate or inflate Aeroplan Points; or
violate the Aeroplan Program Terms and Conditions, applicable network rules, or any applicable law.

We may instruct Aeroplan to withhold or reverse Points. We may suspend or close your Chexy account, and refuse to process payments where we reasonably suspect ineligible, abusive or unlawful use, or as required by law or our partners. Chexy complies with applicable anti‑money laundering and sanctions laws, including as a registered money services business.
9. Privacy and Information Sharing
10. Disclaimers and Limitation of Liability

The Service is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Chexy disclaims all warranties, express or implied.
Chexy is not responsible for the acts or omissions of your Eligible Lender, your financial institution, the card networks, Air Canada, or Aeroplan, including any delay, error, change to or termination of the Aeroplan Program or Points.
To the maximum extent permitted by law, Chexy is not liable for any indirect, incidental, special, consequential or punitive damages, or for lost Aeroplan Points, lost rewards value or lost profits. To the maximum extent permitted by law, Chexy’s total aggregate liability arising out of or relating to the Service is limited to the greater of (a) the total Service Fees you paid to Chexy for the Service in the twelve (12) months before the event giving rise to the claim, and (b) CAD $500.
Nothing in these Terms limits liability that cannot be limited under applicable law. The limitations and exclusions in this Section do not exclude or limit liability for fraud, gross negligence or wilful misconduct, or, for residents of Quebec, liability for bodily or moral injury or for an intentional or gross fault. The indemnities and dispute‑resolution provisions of Chexy’s Terms of Use also apply to the Service and are incorporated by reference, subject to Section 12.

11. Aeroplan Program; Trademarks
12. Changes, Termination and General

Amendments. We may amend these Terms, the Service Fee, the Points earn rate and any limits. We will provide notice of material changes as required by law, and the amended Terms apply to Mortgage Payments processed after the amendment takes effect. If you are a resident of Quebec, we will give you at least 30 days’ prior written notice of an amendment, setting out the new and former wording, the effective date, and your right to refuse the change and terminate the Service at no cost where the amendment increases your obligations or reduces ours; and we will not unilaterally change an essential element of these Terms (such as the Service Fee for a Mortgage Payment you have already scheduled).
Termination. We or you may terminate participation in the Service at any time, including if you violate these Terms. Termination does not affect Points already validly credited or obligations accrued before termination.
Governing law. Except where applicable law provides otherwise, these Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, and the governing‑law and dispute‑resolution provisions of the Terms of Use apply.
Quebec residents. If you are a resident of Quebec: these Terms are governed by the laws of Quebec; you may bring proceedings before the courts of Quebec; nothing in these Terms or the Terms of Use requires you to submit to arbitration or waives your right to participate in a class action; and any limitation of liability is subject to Section 10.
Language. A French‑language version of these Terms is made available to you. Les présentes conditions sont également disponibles en français.
General. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. Participation in the Service constitutes acceptance of these Terms, the Aeroplan Program Terms and Conditions and Air Canada and Aeroplan’s Privacy Policy.

*Aeroplan Members can get up to a maximum of 25,000 Status Qualifying Credits (SQC) per calendar year with select travel and everyday partners. Once a member has reached this annual maximum, any additional SQC will not be awarded. For more information on SQC, see: Discover how to reach Aeroplan Elite^® Status and unlock benefits.
^®View all Air Canada and Aeroplan Trademark notices.

A Canadian first! Earn Aeroplan points on your mortgage

Earn 1pt/$1 spent on your mortgage payments with Chexy.

Make mortgage payments more rewarding!

Everyday earning is that easy

Recent emails from Air Canada