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Credit control in Canada: how it runs
LedgerBPO's credit control outsourcing Canada businesses use gives you a named, dedicated credit controller who vets new customers, sets terms and limits, runs monthly statement runs and chases debtors politely in your name, inside your Xero, QuickBooks Online or Wave account, following CRTC calling rules and PIPEDA or Quebec's Law 25 for customer data.
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What it covers
LedgerBPO's credit control outsourcing Canada businesses use gives you a named, dedicated credit controller who vets new customers, sets terms and limits, runs monthly statement runs and chases debtors politely in your name, inside your Xero, QuickBooks Online or Wave account, following CRTC calling rules and PIPEDA or Quebec's Law 25 for customer data.
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What you get
Credit checks and limits before terms are offered to a new customer
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How it runs
Statement runs and debtor chasing in your name, in your software
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What you see
Debtor days and aged-debtor report 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
Credit control in Canada starts with a credit check, usually through Equifax Canada or TransUnion Canada, before a limit and terms are set. Chasing calls and emails follow CRTC rules on unsolicited telecommunications, and customer data is handled under PIPEDA, with Quebec's Law 25 adding stricter consent and breach-notice rules for accounts based there. Receipts arrive by Interac e-transfer, Plooto pre-authorized debit, card or the occasional cheque, and each needs allocating to the right invoice before the debtor list is accurate. Small claims limits and pre-judgment interest rules differ by province, so an unpaid account is handed back to you with the full file rather than escalated on our own judgment. Our controllers work inside Xero, QuickBooks Online or Wave.
CA rules that shape the work
Canadian credit bureaus
New-account credit checks typically run through Equifax Canada or TransUnion Canada rather than a UK-style bureau, and the report feeds the limit and terms we recommend.
CRTC and privacy rules
Chasing calls follow CRTC rules on unsolicited telecommunications, and customer data is handled under PIPEDA, with Quebec's Law 25 adding stricter consent and breach-notice rules there.
Receipts by e-transfer and Plooto
Interac e-transfer and Plooto pre-authorized debit are the most common ways debtors settle, alongside card and the occasional cheque, and each is allocated to its invoice weekly.
What's included
- Credit checks on new customers through Creditsafe or your chosen bureau
- Credit application forms, trade references and director checks
- Credit limits and payment terms set to your policy and reviewed yearly
- Monthly statement runs by email or post from your software
- Debtor chasing by email, phone and letter in your name
- Retention and application-for-payment tracking for construction accounts
- Credit holds recommended when limits or terms are breached
- Dispute log with reason codes routed to your decision-maker
- Receipts allocated and remittances matched weekly
- Late-payment interest and compensation calculations where you choose to apply them
- Monthly debtor days, aged-debtor and credit-exposure report
- Debtor ledger reconciled to the general ledger every month
Deliverables and KPIs
| Deliverable | KPI we report |
|---|---|
| Credit checks completed | Every new account checked through a Canadian bureau before the first invoice |
| Statement run | Every open account receives a statement on the agreed day each month |
| Debtors chased | Every overdue invoice actioned within 5 business days under CRTC-aware rules |
| Debtor days report | Debtor days and aged-debtor report issued monthly with recommended holds |
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
- UK GDPR data-processing agreement and Australian Privacy Act addendum available
- MFA on every login, least-privilege access and a per-client access log
- Chasing calls follow PECR and Ofcom rules in the UK and ACMA rules in Australia
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 credit control 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 credit control 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). Active account count moves the quote.
Do you file our GST/HST return or T2?
No. Credit control manages customer credit, statements and chasing, and keeps credit notes tax-coded correctly, but it is not a tax filing service. Your CPA or a CRA-registered EFILE transmitter files your GST/HST or T2 return.
Do you cover Canadian hours?
Yes. Your credit controller works 8am to 8pm ET, covering every Canadian time zone, so statement runs and chasing calls happen during your own business day, not overnight.
Do your chasing calls follow Canadian telecom and privacy rules?
Yes. Calls and emails follow CRTC rules on unsolicited telecommunications, and customer data is handled under PIPEDA, with Quebec's Law 25 adding extra consent and breach-notice obligations for accounts based in that province.
What happens if a Canadian customer will not pay?
The account goes through the full chasing cycle, then a recommended credit hold. If it stays unpaid, we hand you the complete file, including invoices, statements and the contact log, since small claims limits and next steps vary by province and are your decision.
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