Canadian Payments

Coming Soon

CAD processing is not yet available for general use.

Overview

JustiFi supports payment processing in Canadian dollars (CAD) through a dedicated Canada platform. CAD processing differs from USD in fee handling, balance transactions, payout timing, and supported payment methods.

Platform Setup

To process CAD payments, a separate Canada platform must be provisioned by JustiFi. This is distinct from your US platform.

• Each platform and its sub-accounts are scoped to a single currency
• A CAD sub-account cannot process USD payments, and vice versa
• If your business operates in both the US and Canada, you will have separate platform accounts for each

Contact customer_success@justifi.tech to provision a Canada platform.

Supported Payment Methods

Payment Method	CAD Support
Card payments (e-commerce)	Supported
Card present (terminals)	Not yet available
ACH / bank account payments	Not supported
Apple Pay	Not yet available
Google Pay	Not yet available

note

ACH and bank account payments are available for USD processing only. Card present (terminal), Apple Pay, and Google Pay support for CAD is planned but not yet available.

Fees

For CAD payments, fees are determined during merchant onboarding and are not configurable by the platform via the API.

The following parameters will return validation errors on CAD payments:

• application_fee_amount on payment or checkout creation
• fees array on payment or checkout creation
• application_fees on checkout creation

The data for fees applied to a payment is available via the fees array on the payment record (available via Get Payment API or payment events) as a processing_fee. The application_fee object will be null on CAD payments.

Standard fee configurations (application_fee_rates) that platforms use for USD processing are not available for CAD. Fee rates for CAD merchants are established during onboarding and cannot be modified through the API.

Balance Transactions

Balance transactions for CAD payments are not created at payment capture time. They are created when settlements are imported asynchronously. There will be a delay between when a payment is captured and when its associated balance transactions appear in the Balance Transactions API.

Refunds

Create refunds the same way as USD:

POST /v1/payments/{id}/refunds
{
  "amount": 5000,
  "reason": "customer_request"
}

note

The fees parameter on refund requests is not available for CAD payments. Fee returns on CAD refunds are not currently configurable.

Payouts

CAD payouts follow a different schedule than USD payouts. Payout timing and frequency differ from the standard USD daily payout schedule. The fees_total field on payouts reflects the fees for that payout period.

Payouts and their details are available through the Payouts API and on the JustiFi dashboard.

Technical Integration

For information on testing Canadian payments, refer to the Canadian Payments testing guide.

Summary

Feature	USD	CAD
Platform	US platform	Separate Canada platform
Payment methods	Cards + ACH	Cards only
Digital wallets (Apple Pay, Google Pay)	Supported	Not yet available
Dynamic fees (fees param)	Supported	Not supported
application_fee_amount param	Supported	Not supported
Fee data on payment	application_fee or fees array	fees array (processing_fee)
Fee configuration via API	Supported	Not supported (set during onboarding)
Balance transactions	Created at payment capture	Created at settlement import
Fee returns on refunds	Fully customizable	Not configurable
Payout timing	Standard daily schedule	Different schedule