# Canadian Payers

### <mark style="color:$primary;">Overview</mark>

PayCargo supports Canadian customers with flexible payment options in both Canadian dollars (CAD) and U.S. dollars (USD). Payers can settle invoices using major credit cards, direct bank debit, prepaid funds, or PayCargo Finance. To support timely cargo release, payments must match the invoice amount exactly. Please note that CAD and USD services operate separately, and a distinct registration is required for each currency.

### <mark style="color:$primary;">How it Works</mark>

To pay Canadian invoices without currency conversion, Canadian users must register for a dedicated CAD payer account. Because CAD and USD platforms are separate, this requires a new registration even if you already have a USD account.

1. **Access the registration portal:** Begin the registration process through [PayCargo’s registration page.](https://app.paycargo.com/registerPayer)
2. **Enter company and user details:** Provide your business information, including company name, tax identification number, and business category.

* Select **CAD (Canadian dollar)** as the primary currency for this account.
* You may use the same company name as your USD account, but a unique username or administrative email is required.

3. **Provide payment information:** Choose your preferred CAD payment method:

* **Bank account (PAD):** Enter your Canadian bank account and routing details, along with your business identification number.
* You may be asked to submit additional documentation, such as a voided cheque or bank letter with EFT details, and a completed W-8BEN-E form.

4. **Finalize and verify:** Review and accept the Canada-specific terms and conditions. Complete the security verification and submit your registration. You will receive a welcome email once your account is ready.
5. **Start making payments:** Access your Payer portal and pay your Vendors at your convenience.&#x20;

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### <mark style="color:$primary;">Key Features</mark>&#x20;

<i class="fa-check">:check:</i> **Multiple payment options:** Pay using major credit cards, direct bank withdrawals, or approved credit lines.

<i class="fa-check">:check:</i> **Dual-currency capability:** Manage CAD and USD transactions through dedicated accounts. Returning USD users must register separately for CAD access.

<i class="fa-check">:check:</i> **Faster cargo release:** Exact-amount payments trigger immediate release notifications to vendors.

### <mark style="color:$primary;">Related Questions</mark>

<details>

<summary>Why do I need a separate account for CAD if I already have a USD account?</summary>

The PayCargo CAD and USD platforms operate as distinct financial environments to comply with Canadian banking regulations and to prevent currency conversion complexities. To pay invoices in Canadian Dollars, you must register a separate profile specifically for the CAD portal, even if your company information remains the same.

</details>

<details>

<summary>What payment methods are supported for CAD transactions?</summary>

Canadian payers have three primary options:

* Credit Card: Major cards are accepted (typically with a 4.8% processing fee).
* ACH/PAD (Pre-Authorized Debit): Direct bank withdrawal from a Canadian bank account. This requires completing a PAD Agreement during setup.
* PayCargo Finance: A credit line (ranging from $50k to $5M) that allows you to pay invoices now and settle with PayCargo in 15, 30, or 45 days.

</details>

<details>

<summary>Can I use the same login for both CAD and USD?</summary>

Generally, no. You will need a unique username for each account. Many users differentiate their accounts by using usernames like `Company_CAD` and `Company_USD`. You can, however, often use the same administrative email address for notifications.

</details>

<details>

<summary>Are there any transaction limits?</summary>

* Registered Accounts: Overnight limits typically range from $3,000 to $1,000,000 CAD, depending on your account approval and history.
* Quick Pay (Non-Registered): For one-time users not wanting a full account, there is a $5,000 CAD limit per transaction, and payment is restricted to credit cards only.

</details>


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