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Accounts receivable in Canada: how it runs
LedgerBPO's accounts receivable outsourcing Canada businesses use gives you a named, dedicated AR specialist who works the aging weekly, sends statements and chases overdue invoices under your brand inside QuickBooks Online, Xero or Wave. GST, HST, PST or QST is applied correctly on every credit note, and customers pay by Plooto or e-transfer.
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What it covers
LedgerBPO's accounts receivable outsourcing Canada businesses use gives you a named, dedicated AR specialist who works the aging weekly, sends statements and chases overdue invoices under your brand inside QuickBooks Online, Xero or Wave. GST, HST, PST or QST is applied correctly on every credit note, and customers pay by Plooto or e-transfer.
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What you get
One named AR specialist working the aging every week, in your software
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How it runs
Statements, reminders and calls under your brand through DunningDesk
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What you see
DSO and over-90-day balances reported to you every month
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A named accountant, a backup and a team lead
Inside your own software, on a fixed close calendar, with a reply from a person within 1 business day. Call +1-657-777-0006 or start a quote.
Get a custom quote 06 / 06
What is different in Canada
Accounts receivable work in Canada follows the CRTC's rules on unsolicited telecommunications, so call scripts and calling hours for a Canadian business have to match rules separate from the US TCPA or UK PECR regime. Customer data used for collections falls under PIPEDA federally and under Quebec's Law 25 provincially, which adds extra consent and breach-notice obligations for Quebec accounts. Credit notes carry the same GST, HST, PST or QST as the original invoice, by the customer's province. Many Canadian customers settle through Interac e-transfer or a Plooto pre-authorized debit rather than a mailed cheque. Our AR specialists follow up in English or French depending on the account, during Eastern Time hours that overlap every province.
CA rules that shape the work
CRTC rules for collection calls
Outbound reminder calls to Canadian customers follow CRTC rules on unsolicited telecommunications, including calling hours and do-not-call obligations that are separate from US or UK rules.
PIPEDA and Quebec's Law 25
Customer data used in reminders and statements is handled under PIPEDA federally, and under Quebec's Law 25 for accounts based in that province, which adds stricter consent and breach-notice rules.
Tax on credit notes
Credit notes and adjustments carry the same GST, HST, PST or QST as the original invoice, coded to the customer's province so the sales tax return stays accurate.
What's included
- Weekly AR aging review by customer, invoice and days overdue
- Customer statements sent monthly or on request
- Reminder cadence by email, SMS and phone under your brand
- Dispute and short-payment log with reason codes and owners
- Promise-to-pay tracking and follow-up on the promised date
- Payment posting and unapplied cash cleared weekly
- Credit hold and escalation recommendations for your decision
- Customer portal and remittance queries answered by email
- Credit notes and write-off requests prepared for your approval
- Monthly DSO, aging bucket and collection-rate report
- AR sub-ledger reconciled to the general ledger every month
- Handover notes so your backup specialist can step in without a gap
Deliverables and KPIs
| Deliverable | KPI we report |
|---|---|
| Aging worked | Every overdue invoice actioned within 5 business days, by province and tax code |
| Statements and reminders | Statements and reminder cadence issued under your brand in English or French |
| Cash posted | Plooto and e-transfer receipts matched and unapplied cash cleared weekly |
| AR reconciliation | AR sub-ledger tied to the general ledger with GST/HST, PST or QST agreed |
CA software we work in
Pricing in CAD
Pricing depends on volume and scope. Get a custom quote within 1 business day. Quotes for Canada clients are issued in CAD.
Security and compliance
- We never take payments or store card details; customers pay through your portal or bank
- MFA on every login, least-privilege access, and a per-client access log
- Outbound contact follows TCPA and FDCPA-aware scripts in the US and local rules elsewhere
Full control list on the security page and country rules on the compliance page. Certifications are listed only when held.
Frequently asked questions
How much does accounts receivable outsourcing cost in Canada?
Pricing depends on volume and scope, so we send a custom quote within 1 business day. As a market reference, Canadian outsourced bookkeeping and AR support runs C$300 to C$2,000 a month, with most small and medium businesses paying C$400 to C$800 (Outsource Bookkeeping CA, TheAccTaxCo, 2026). Open invoice count and how many provinces you bill into move the quote.
Do you file our GST/HST return or T2?
No. Accounts receivable outsourcing keeps your AR ledger and credit notes tax-coded correctly, but we do not file your GST/HST or T2 return. Your CPA or a CRA-registered EFILE transmitter reviews our working papers and submits the return.
Do you cover Canadian hours?
Yes. Your AR specialist is available 8am to 8pm ET, which covers every Canadian time zone, so statements and reminders go out and questions get answered during your own business day.
Do your reminder calls follow Canadian privacy and telemarketing rules?
Yes. Calls and emails follow CRTC rules on unsolicited telecommunications, and customer data is handled under PIPEDA, with the added consent and breach-notice rules of Quebec's Law 25 for accounts based there.
Can you chase Quebec customers in French?
Yes. Statements, reminder emails and calls to Quebec customers can run in French or bilingually, using wording you approve, while the same AR specialist keeps the underlying ledger and aging report in one place.
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