The border in your AP process
A Canadian and cross-border guide to tax documentation, payment rails, privacy and entity controls.
Design for the Canadian workflow — then hold any platform to the checklist.
Complete the form to get your copy.
Most accounts payable automation is designed for a company that pays US suppliers, in US dollars, over US rails, in a jurisdiction where sales tax on a purchase is simply a cost. Canadian AP is none of those things, and the differences are not cosmetic.
GST and HST are recoverable through input tax credits — but only with the documentation the regulations prescribe, and supplier-name mismatches with CRA records are a leading reason ITCs are denied on audit. A platform that codes tax at the header level, or not at all, quietly puts recoverable cash at risk. Add Canadian payment rails, PIPEDA, Quebec’s Law 25 and a record CA$704 million in reported fraud, and the conclusion is hard to avoid: a US-centric AP tool does not simply “work fine” for a Canadian entity.
In this whitepaper
- Tax: the GST/HST/PST/QST documentation tiers (as amended in 2024) that many software vendors still quote incorrectly
- Payments: choosing Canadian rails around currency, urgency, limits and cost — EFT, Interac e-Transfer, wires and the real cost of FX markup
- Cross-border: running AP across a US and Canada dual-entity structure
- Data, privacy and fraud: what PIPEDA and Law 25 actually require, and the Canadian fraud angle
- A Canadian AP compliance and readiness checklist you can use whether or not you ever talk to us
- 63%of Canadian payment value moves by EFT; cheques are 2% of volume but still 22% of value
- CA$704Min fraud reported to the Canadian Anti-Fraud Centre in 2025 — a record
- 1.5–3%+typical FX markup on cross-border payments — usually the dominant cost, not the wire fee
