Earn rewards
on every
essential bill.
Join 200,000+ Canadians turning bills, taxes, and utilities into travel points and cashback. The smartest way to pay, automated.
Where our technology is making an impact:
Modular rewards.
Powerful software.
Our platform bridges the gap between traditional billers and modern reward systems, giving you the power to earn on every dollar spent.
Automated Payments
Set up once and forget it. We charge your card 4 business days before the due date and pay your biller normally.
Credit Building
Optionally report your on-time bill payments to Equifax to build your credit score while you earn.
Flexible Rewards
Use any Visa, Mastercard, or Amex. Earn cashback or travel points on bills, taxes, and utilities.
Secure Infrastructure
Bank-level encryption and strategic partnerships with Air Canada and major financial leaders.
Bank-level
security.
Your security is our top priority. We use industry-standard encryption and partner with leading financial institutions to ensure your data and payments are always protected.
AES-256 bank-level encryption for all sensitive data.
PCI-DSS compliant infrastructure and regular audits.
Strategic alliances with major Canadian banks.
We never sell your data. Your privacy is guaranteed.
Live the rewards life.
ZOOLOGY isn't just about payments; it's about the possibilities those payments unlock. From dream vacations to financial security, we help you get there faster.
How it works.
Simple as that.
We've streamlined the entire process so you can set up in minutes and earn for years.
Set up bill
Enter recipient details, payout method (e-Transfer / Bill Pay), and amount.
Select card
Connect your favorite Visa, Mastercard, or Amex credit card.
Auto-charge
Card is charged 4 business days before due date (bill amount + 1.25% fee).
Recipient paid
Biller receives payment as expected; rewards post to your card.
"The recipients get paid exactly as they expect from your ZOOLOGY account. Nothing looks different on their end."
Who is this for?
Designed for anyone with large recurring expenses that traditionally don't accept credit cards.
Pay bills, earn rewards, and build credit. Supported for one-time and recurring payments.
Earn points on property taxes, utilities, insurance, and condo fees.
Optimize payroll, vendor payments, and corporate taxes with your existing cards.
Pay tuition and childcare fees while generating significant travel rewards.
Transparent Pricing
We charge a small processing fee to use your credit card where you normally can't. Most users profit by using cards with 2%+ rewards rates.
Set up your first bill
Complete these 3 steps to start earning rewards.
Frequently Asked Questions
We charge a 1.25% fee for all major Canadian credit cards (Visa, Mastercard, Amex). International cards are 2.5%, and debit cards are free.
Yes. We use bank-level encryption and partner with leading payment processors to ensure your data and funds are always protected.
We support bill, car lease, property taxes, utilities, insurance, tuition, childcare, income taxes, condo fees, and more.
By paying through ZOOLOGY with your credit card, your bank sees the transaction as a regular purchase, allowing you to earn points or cashback as defined by your card's terms.
Start earning today
Join thousands of Canadians who are already turning their largest monthly expenses into valuable rewards. Whether you're a bill payer, car owner, homeowner, or business owner, ZOOLOGY is the smartest way to pay your bills.