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Email this4:42 pm
April 14, 2021
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Edit by admin: This thread was split out of a discussion regarding the Canadian Tire Bank savings account
pwr1019 said
Still a good no fee card in my books. Not even mentioning the fact I get 1% back paying my kids tuition or my property taxes via their banking app.
I've paid tuition for the card benefits, but City of Edmonton does not accept credit card payment for property taxes.
If it is not too personal, could you say which municipality allows for credit card payment of property taxes?
8:14 pm
September 29, 2017
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Toronto does.
Oddly, though many water utilities do also, Toronto does not, even though it is the same department.
Also MANY other payment categories work... utilities, insurance, etc
8:51 pm
October 21, 2013
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Could you please explain to me, step by step, how you can pay Toronto property taxes by credit card?
I see no reference here and have never been able to figure this out.
https://www.toronto.ca/services-payments/property-taxes-utilities/property-tax/pay-your-property-tax-or-utility-bill/
9:36 pm
September 29, 2017
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Paying things like property taxes, utilities, insurance, etc is a special service that ONLY CDN Tire Credit Card provides for SOME (MANY) services that normally do NOT accept credit card payment directly. NO OTHER Credit card does this AFAIK.
How CDN Tire does it is by creating a special bank account in the background from which they generate the payment. All you have to do is create the charge on your CDN Tire card to that service and they automatically take care of the rest behind the scenes. So to the receiving service, it simply looks like they are receiving a payment from a bank account.
BUT for these to work, CDN Tire makes the arrangements with each of the services. So, if it is not listed in their list of Payees, then this has not been set up, for whatever reason.
For Toronto Property Taxes, you simply look up the City of Toronto Property Taxes Payee and either make a one time payment or created scheduled payments.
For each service, you also have to be OFF their respective pre-authorized or equal billing payment system, then simply use CDN Tire's online system to schedule things. (I calculate and create my own equal payments and schedule those, and simply update them once per year.)
All my utility companies are available (Enbridge, Hydro) and insurance (The Personal, Manulife).
CDN Tire's scheduling system has some limitations.... can only do once, weeky bi-weekly and monthly schedules; no choices for every 2, 3, 4, etc. months, nor any yearly selections. Hopefully that will change.
10:11 pm
October 21, 2013
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Thanks. I appreciate the details. It's the clearest explanation I've heard. I'm going to cut and paste it for when I get around to setting this up.
3 follow-up q's:
Can you tell me where I can find the list of payees for CT?
Do I understand that CT would just pay whatever the city asks, as it is now with CIBC, or would I have to pay it manually each tim or adjust annually?
Do you know if one can pay off one's CT CC by pre-authorized debit at regular banks (e.g. CIBC). At the moment all my bills are automatically paid, including my credit cards, and I don't want to have to ever think about them once I get set up. I don't currently have a CT CC. Would have to get that first, then cancel the PAD on the tax bills, then set up with CT.
Thanks.
11:38 pm
September 29, 2017
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To get to list of payees:
Once logged in,
1. click Payments at the top
2. On left, under Pay Bills click Manage Payees, then click Add Payee
3. CDN Tire will send to your registered email Security Verification code to be able to proceed
4. Once code entered, you can search for your payees.
Tip: add as many as possible in one go to avoid additional security verifications. Otherwise each time you start the process to "Add Payee"(step 2) you will need to be verified again.
This is NOT setting up and there is no way to set up pre-authorized payments that auto-adjust. You enter the amount you want paid. That is why I create my own equal billing payments.... really easy to do for cyclical bills, eg. utilities....
1. Figure out the average of bills for a 12 month period.
2. figure out which month the bills fall below that average.
3. start paying the average amount from that month forward for the next 12 months (this will create a buffer/credit to hopefully cover the higher cost months)
4. set a reminder to check the bill on the 12th month and recalculate your average for the next 12 months based on the last 12 months.
5. You may want to make your monthly payments a little higher to create a larger buffer for the 12th month.
Note that you can schedule a payment up to 2 years in advance.
For property taxes, it is a little trickier for Toronto because they require 2 cycles of 3 monthly payments that are almost but not quite equal. But I just set reminders to adjust these once a year for each 3 month cycle (so 2 reminders per year) AND I set the amount to equal amounts based on the highest amount... the extra few cents get registered as a credit on the tax account.
CT allows setting up pre-authorized payment of your full balance of your credit card.
11:45 pm
August 28, 2019
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Loonie said
Do you know if one can pay off one's CT CC by pre-authorized debit at regular banks (e.g. CIBC).
They have that option and you can easily set it up through online banking. In the payments section, there's an option "recurring payment" where you provide bank account info for it to pay the variable amount every statement due date by direct debit. They also have a way of making one time payments using interac online which I assume would be instant.
Adam
2:03 am
February 1, 2016
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Smayer97, once again you have proven to be the CTB expert on this site. Thank you for providing the details -- and Loonie, thanks for asking.
I set up two payees on my account - Hydro One and Enbridge using your instructions. Now I will have to disable the PAD at my bank for these accounts.
Unfortunately, I have not yet been able to set up a payee account for our property taxes. We live in a small city in SW Ont so maybe not available. I have not completely given up on this one yet. May be a matter of getting the name right to match CTB's database.
3:55 am
September 29, 2017
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ywc.
As in my case with the difference between Toronto Property Taxes vs Toronto Water, not all services are available.
You can try asking CTB to consider them but they also recommend contacting the actual service and making a request for them to allow CTB to make payments for you. Of course, even if this has an impact, it may take a long time to see the results but it cannot hurt to try.
6:28 am
October 7, 2019
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Not sure which Ontario municipality is missing but here is a list of payees you can use on your CT card
https://docs.google.com/spreadsheet/ccc?key=0AmcxFWIi-6fNdEx0RVdwNW8zN0U5SWRxWGE5NmZaNlE#gid=0
4:44 pm
October 21, 2013
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Thanks very much for all the info that everyone has added.
On the payee link that pwr1019 has provided (slow to load - you may need to wait for them all to appear), I found Toronto Hydro and Enbridge, but can't find Toronto property tax. Can anyone help? Does it have an acronym name that is hard to find? Or is there a different list when you log in? (I don't currently have a card.)
7:05 pm
February 1, 2016
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pwr1019 said
Not sure which Ontario municipality is missing but here is a list of payees you can use on your CT cardhttps://docs.google.com/spreadsheet/ccc?key=0AmcxFWIi-6fNdEx0RVdwNW8zN0U5SWRxWGE5NmZaNlE#gid=0
pwr1019, that worked! Thanks for the listings - I was able to find a cryptic reference for our property tax in there.
Or I think I have. Is there any way to verify these accounts? - Maybe with a micro payment? Not a lot of information about the accounts. I provided our utilities account numbers but doubt CT has verified them with the utility itself.
I am thinking I need to contact the Utilities themselves to get their approval - and to cancel the PAD arrangement I have with them.
We now have 3 accounts created - Hydro One, Enbrige and 'MyCity'-Tax
How do we determine these accounts are set up properly?
8:11 pm
March 30, 2017
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rodeworthy said
pwr1019, that worked! Thanks for the listings - I was able to find a cryptic reference for our property tax in there.
Or I think I have. Is there any way to verify these accounts? - Maybe with a micro payment? Not a lot of information about the accounts. I provided our utilities account numbers but doubt CT has verified them with the utility itself.
I am thinking I need to contact the Utilities themselves to get their approval - and to cancel the PAD arrangement I have with them.
We now have 3 accounts created - Hydro One, Enbrige and 'MyCity'-Tax
How do we determine these accounts are set up properly?
just send $1 to test it. Thats what I did when I set mine up.
enbridge, Alectra, Markham property tax worked for me.
9:25 pm
April 6, 2013
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Loonie said
…
On the payee link that pwr1019 has provided (slow to load - you may need to wait for them all to appear), I found Toronto Hydro and Enbridge, but can't find Toronto property tax. Can anyone help? Does it have an acronym name that is hard to find? Or is there a different list when you log in? (I don't currently have a card.)
On the "Changes" page, there is payee "TORONTO TAXES 90001563" that was added 1/23/2017 but then removed 2/15/2017.
Would your property tax bill payment slip happened to have MICR encoded numbers 01563 and 900 at the bottom?
10:33 pm
September 29, 2017
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Toronto Property Taxes simply shows up as Toronto Taxes.
10:34 pm
September 29, 2017
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pwr1019 said
Not sure which Ontario municipality is missing but here is a list of payees you can use on your CT cardhttps://docs.google.com/spreadsheet/ccc?key=0AmcxFWIi-6fNdEx0RVdwNW8zN0U5SWRxWGE5NmZaNlE#gid=0
Nice work! How did you extract that list?
10:37 pm
September 29, 2017
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Norman1 said
Loonie said
…
On the payee link that pwr1019 has provided (slow to load - you may need to wait for them all to appear), I found Toronto Hydro and Enbridge, but can't find Toronto property tax. Can anyone help? Does it have an acronym name that is hard to find? Or is there a different list when you log in? (I don't currently have a card.)On the "Changes" page, there is payee "TORONTO TAXES 90001563" that was added 1/23/2017 but then removed 2/15/2017.
Would your property tax bill payment slip happened to have MICR encoded numbers 01563 and 900 at the bottom?
Account # is 21 digits long. I cannot think of any other service that requires that long of an account number so as long as you correctly enter your property # as it appears on your bill you will be fine.
And since the city does not send interim updates like credit cards or utility bills, the only way to confirm the payment is to call the city dept. if you are really concerned.
11:20 pm
October 21, 2013
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If you can't find "TORONTO TAXES" as a payee on the list, how would you enter your property/account number? Can you just write it in? (Perhaps this would be clearer if I had the card.)
I find as follows:
TORONTO HUNT
TORONTO HYDRO
TORONTO STAMP
TORONTO STAR,
some of them with code numbers.
There are several other items that begin with "TOR", such as "TOR GOLF CLUB", but none appear to have to do with property taxes.
Does it show up on your credit card bill as 'Toronto Taxes'?
11:35 pm
September 29, 2017
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Loonie said
Thanks very much for all the info that everyone has added.On the payee link that pwr1019 has provided (slow to load - you may need to wait for them all to appear), I found Toronto Hydro and Enbridge, but can't find Toronto property tax. Can anyone help? Does it have an acronym name that is hard to find? Or is there a different list when you log in? (I don't currently have a card.)
Although very nice work that pwr1019 did, it does not look like an official list, as there are extra data added to many of the entries; they do not appear this way online. As I pointed out, Toronto Property Taxes is there and simply shows up as Toronto Taxes.
So, yes, the list you see online is different... unfortunately you cannot see the entire list at once, AFAICT. You only see a filtered list based on a search. I guess you could create the list by simply performing a search for each letter of the alphabet to see it all (I have not tried). But the best way to search is to only use fewer words then select the correct match from the search results. So use Toronto for all the Toronto services.
Please write your comments in the forum.