For many Ontario tenants, sending rent by e-transfer is convenient, but what if your landlord demands it as the only payment method? It's important to know your legal rights under Ontario law so you can pay rent securely and avoid unfair restrictions.

Accepted Rent Payment Methods in Ontario

Under the Residential Tenancies Act, 2006, landlords and tenants are free to agree on a rent payment method. Common choices include:

• Electronic transfer (e-transfer)
• Post-dated cheques
• Bank drafts or money orders
• Cash (with a written receipt)

The Residential Tenancies Act (RTA) does not give landlords the right to require tenants to use only e-transfer. The payment method must be mutually agreed upon when signing your lease, and you cannot be forced to use a single method against your wishes.

Can My Landlord Force Me to Pay Rent by E-Transfer Only?

No. Landlords in Ontario cannot legally require e-transfer as the only way to pay rent unless you voluntarily agreed to that method in writing as part of your lease or in a separate rent agreement. If your landlord tries to change the payment method after you move in, you have the right to refuse.

For example, if you originally paid by cheque but your landlord now says you must use e-transfer, you can remind them of your rights under the RTA and request to keep your current method. If there’s a dispute, your landlord cannot threaten eviction just for this reason.

What If the Lease Mentions Only E-Transfer?

Even if your lease mentions e-transfer as the payment method, Ontario law says landlords cannot require post-dated cheques or only electronic forms of payment. You have the right to choose a reasonable payment method. If you’re uncomfortable or unable to use e-transfer (due to bank fees, accessibility, or safety), you can propose another method such as cheque or money order.

Proof of Payment: Your Responsibility and Protection

Always get a receipt, especially for cash or money order payments. For e-transfers, keep electronic confirmations. Your landlord must provide a rent receipt if you request one, regardless of the payment method.

How to Respond If Your Landlord Insists on E-Transfer Only

If your landlord insists on only accepting e-transfer, take these steps:

• Communicate in writing: Politely explain your preferred payment method and refer to your rights under the Residential Tenancies Act
• Request a compromise: Offer an alternative, such as post-dated cheques or money orders
• Request a receipt: Always ask for documentation—this protects you from future disputes
• Seek help if needed: Contact the Landlord and Tenant Board (LTB) if disagreement continues

Relevant Forms and How to Use Them

If a dispute about payment methods escalates, you may need to seek help from the Landlord and Tenant Board (LTB).

• Form T2: Application About Tenant Rights – Use this form to complain about violations of your tenant rights, including illegal changes to payment methods or threats of eviction. Download T2 Form from the Landlord and Tenant Board

Example: If your landlord threatens to evict you for refusing e-transfer only payments, you can file a T2 to protect your rights.

Key Rights & Best Practices for Rent Payments

• You have the right to choose from reasonable and safe methods of paying rent
• Landlords cannot demand post-dated cheques or restrict payment to e-transfer only
• Receipts must be given on request, regardless of payment method

For more on payment basics, see our Tenant's Guide to Paying Rent: Rights, Responsibilities, and Tips. If you’re setting up rental deposits, read Understanding Rental Deposits: What Tenants Need to Know.

To compare rental options and payment preferences, Find rental homes across Canada on Houseme.

For a full summary of tenant laws and protections, review Tenant Rights in Ontario.

FAQ: Ontario Rent Payment Methods and Tenant Rights

1. Can my landlord refuse to accept my rent if I don't use e-transfer?
   No. Your landlord must accept your rent in any mutually agreed-upon reasonable method and cannot require e-transfer only.
2. What do I do if my landlord won't give me a receipt for my payment?
   You have the right to request a rent receipt for free. If refused, contact the Landlord and Tenant Board.
3. Do I need to give post-dated cheques or set up automatic payments?
   No. Landlords cannot require post-dated cheques or automatic withdrawal; it must be by agreement.
4. What are my options if I cannot use e-transfer due to limited access?
   You can offer another reasonable payment method such as cheque or money order and cannot be penalized for it.
5. How can I get help if payment method disputes persist?
   Document your interactions and file a T2 Application About Tenant Rights with the LTB if your landlord will not comply.

Key Takeaways

• Ontario tenants cannot be forced to pay by e-transfer only
• Landlords must accept reasonable rent payment methods and provide receipts
• You have legal protections—don't hesitate to contact the LTB or apply using Form T2 if needed

Knowing your rights ensures more secure and fair rental experiences in Ontario.

Need Help? Resources for Tenants

• Landlord and Tenant Board (LTB) – Official tribunal for disputes and applications. Call 1-888-332-3234 for guidance.
• Ontario Government: Guide to Renting and Tenant Rights
• Community Legal Education Ontario (CLEO) – Free legal information and resources for tenants.

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1. Residential Tenancies Act, 2006, s. 108; see full legislation
2. Landlord and Tenant Board (LTB): official website
3. LTB Form T2: Application About Tenant Rights

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