Pay your on-campus residence fees with any card — no Canadian bank account required. Every on-time payment builds your x-ave Renter Passport so you are ready for your first off-campus apartment.
Four steps from move-in day to a verified rental history.
Find your residence
Search for your university or college in x-ave's verified payee directory. All major Ontario on-campus residences are pre-loaded and ready to pay.
Enter your student ID
Your student ID is your residence account reference. x-ave validates the format against your school's Bill Pay payee record before the payment is sent.
Pay with any card
Pay your residence fees with a credit or debit card — even before you have a Canadian bank account. x-ave sends the payment directly to your school's residence office via Bill Pay.
Build your Renter Passport
Every on-time residence payment is recorded in your x-ave Renter Passport — a verified rental history that Canadian landlords recognise when you move off-campus and apply for your first apartment.
All major Ontario university and college on-campus residences are pre-loaded.
University of Toronto
Toronto, ON
York University
Toronto, ON
Toronto Metropolitan University
Toronto, ON
Humber College
Toronto, ON
Seneca Polytechnic
Toronto, ON
George Brown College
Toronto, ON
University of Waterloo
Waterloo, ON
Wilfrid Laurier University
Waterloo, ON
McMaster University
Hamilton, ON
Queen's University
Kingston, ON
University of Ottawa
Ottawa, ON
Ontario Tech University
Oshawa, ON
Your residence not listed?
Most international students arrive in Canada with no rental history. That makes it nearly impossible to rent an apartment off-campus without a co-signer or a large deposit.
Every residence payment you make through x-ave is recorded in your Renter Passport — a verified, shareable record of your on-time payments. When you are ready to move off-campus, show it to any Canadian landlord as proof you pay on time.
All
Payments recorded
Yes
Shareable with landlords
1 payment
Time to first entry
Included
Cost
Renter Passport Strength
Month 0 (Arrival)
Month 3
Month 6
Month 12
Month 24
Illustrative trajectory based on consistent on-time payments. Individual results vary.
Do I need a Canadian bank account to pay my residence fees?
Which school residences are supported?
How does x-ave send my residence payment to my school?
What is the Renter Passport?
What does it cost?
Can I use x-ave after I move off-campus?
Create your free x-ave account in two minutes. Pay your residence fees with any card and start building your Renter Passport from move-in day.
Pay My Residence FeesFree to join · No credit card required to sign up