# Using Alternative Payments in Canada

Alternative Payments supports both U.S. and Canadian partners. There are some important differences to be aware of when operating in Canada. This article outlines the key changes across currency, payment methods, and regional availability so you know what to expect.

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### Currency and Invoicing

Canadian partners operate entirely in Canadian dollars.

All partner balances, customer payments, and invoices are processed in CAD. Multi-currency invoicing is not supported in Canada, so all invoices must be issued in CAD.

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### Supported Payment Methods in Canada

Available payment methods in Canada include:

* Pre-Authorized Debit (PAD)
* Electronic Funds Transfer (EFT)
* Credit Cards

  <div data-gb-custom-block data-tag="hint" data-style="info" class="hint hint-info"><p><strong>Credit card surcharges</strong> in Canada are capped at <strong>2.4%</strong> under the Code of Conduct for the Payment Card Industry.</p></div>

  \* Debit Cards

The following features are **not** currently supported for Canadian partners:

* Pay in Installments
* Buy Now, Pay Later (BNPL)
* Collections

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### Compliance and Required Information

Operating in Canada comes with additional regulatory requirements.

* **Business Number (BN)**
  * All registered Canadian businesses must provide a valid Business Number during onboarding. This is required for KYB verification, tax reporting, and invoicing, and is the Canadian equivalent of a U.S. EIN.
* **Pre-Authorized Debit (PAD) Mandate**
  * Before collecting payments via PAD, customers much approve PAD from the Customer Dashboard. This is a regulatory requirement and must be completed before any PAD transactions are processed.

    <div data-gb-custom-block data-tag="hint" data-style="info" class="hint hint-info"><p>Check out this article to learn more about <a href="https://help.alternativepayments.io/end-customer-faqs/end-customer-faqs/how-to-approve-pad-from-your-customer-dashboard"><strong>Pre-authorized debit (PAD)</strong></a><strong>.</strong></p></div>

    \* **Data Privacy (PIPEDA)**
  * Canadian partners must comply with PIPEDA, which requires clear disclosure of how customer data is collected and used, explicit customer consent, and the ability for customers to access and correct their personal information.

    <div data-gb-custom-block data-tag="hint" data-style="warning" class="hint hint-warning"><p><strong>Regional Availability:</strong> Quebec is not currently supported due to additional provincial consumer protection and language requirements. Partners with customers in Quebec should contact their account executive for guidance.</p></div>

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