PaySmarter Guides
How PaySmarter Works
How payment platforms work, how PaySmarter ranks cards and calculates net value, and how our comparisons and recommendations are built.
All How PaySmarter Works guides
- MethodologyHow we rank credit cardsPaySmarter ranks Canadian credit cards by estimated net value, not headline points. Here is exactly how we do it — and what we deliberately ignore.
- MethodologyHow estimated net value is calculatedEvery PaySmarter card review shows a single dollar figure: estimated first-year net value. Here's the formula behind it.
- MethodologyHow rent rewards work in CanadaLandlords don't accept credit cards directly. Three Canadian platforms bridge the gap. Here's how each one earns you rewards on rent — and where the math breaks.
- Credit & TrustHow credit card bill payment platforms work in CanadaLandlords, tuition offices and utility companies usually don't accept credit cards directly. Canadian bill payment platforms bridge that gap. Here's exactly how the rails work.
- Platform reviewChexy Review: Fees, Rewards, Pros & ConsOur full Chexy review — fees, rewards, how it works and who it's best for.
- Platform reviewNeobanc Review: Fees, Cashback & FeaturesOur full Neobanc review — fees, cashback, features and who it's best for.
- Platform reviewCasa Review: Rent Rewards & FeaturesOur full Casa review — fees, rent rewards, features and who it's best for.
Explore other guides
- Paying BillsPractical guides for paying rent, mortgage, taxes and everyday bills.
- Credit Cards & RewardsLearn how credit cards, rewards and cashback work.
- Fees & SavingsUnderstand costs, fees, savings and break-even points.
- Credit & TrustCredit education, transparency and how PaySmarter evaluates offers.