Location guide · Canada
Location guides for 20 cities in Canada, from Toronto, Montreal and Vancouver. Flip Retail builds custom ERP, AI agents, web applications and SaaS for businesses in Canada from Jaipur, India, and delivers remotely.
01 — Compliance
Tax, e-invoicing, data-protection and AI rules that shape an ERP, billing system or AI agent in Canada. Last reviewed October 2026.
| Indirect tax | GST/HST (plus provincial PST/QST), standard rate 5% GST (HST 13-15%)The federal 5% GST is combined with provincial tax as a single HST in Ontario (13%) and the Atlantic provinces (14% in Nova Scotia since 1 Apr 2025, 15% elsewhere), while BC, Manitoba and Saskatchewan levy a separate PST and Quebec a 9.975% QST, so invoicing software must apply place-of-supply rules and show each tax separately. |
|---|---|
| E-invoicing | Not mandatedThere is no federal or provincial B2B e-invoicing or real-time reporting mandate as of Oct 2026; electronic invoicing (including over Peppol) is voluntary. |
| Data protection | Personal Information Protection and Electronic Documents ActPIPEDA governs private-sector personal data outside provinces with their own laws (Quebec, Alberta, BC), requiring meaningful consent and breach reporting where there is a real risk of significant harm; Bill C-27 died in January 2025 and its successor, Bill C-36 (Protecting Privacy and Consumer Data Act), was introduced on 15 Jun 2026 and is at second reading. |
| AI rules | No AI-specific statute (the proposed Artificial Intelligence and Data Act died with Bill C-27 in January 2025); businesses rely on the voluntary federal Code of Conduct for generative AI, Quebec Law 25's notice rules for decisions made exclusively by automated processing, and Ontario's rule (from January 2026) to disclose AI use in public job postings. |
| Systems we migrate from or connect to | QuickBooks Online, Xero, Sage 50 (Canadian edition), NetSuite, Microsoft Dynamics 365 Business Central, Acomba, WaveMasters, ledgers, stock and open balances move across and are reconciled before cutover. |
| Payment rails for web apps and SaaS | Interac e-Transfer, Interac Debit, Pre-authorized debit (PAD) and EFT, Stripe, Moneris, PayPal |
| Also worth knowing | Businesses register for GST/HST with the CRA, for QST with Revenu Quebec and for PST in BC, Saskatchewan and Manitoba, and the taxability of items such as software differs by province; Quebec's Charter of the French Language also generally requires invoices and commercial documents to be available in French. |
| Alberta | Sales tax: GST 5% (no provincial sales tax)Privacy: Personal Information Protection Act (Alberta PIPA) |
|---|---|
| British Columbia | Sales tax: GST 5% + PST 7%Privacy: Personal Information Protection Act (BC PIPA) |
| Manitoba | Sales tax: GST 5% + RST 7%Privacy: PIPEDA |
| Nova Scotia | Sales tax: HST 14% (reduced from 15% on 1 Apr 2025)Privacy: PIPEDA |
| Ontario | Sales tax: HST 13%Privacy: PIPEDA (Ontario's PHIPA covers personal health information) |
| Quebec | Sales tax: GST 5% + QST 9.975%Privacy: Act respecting the protection of personal information in the private sector, as amended by Law 25 (fully in force since 22 Sep 2024) |
| Saskatchewan | Sales tax: GST 5% + PST 6%Privacy: PIPEDA |
General information, not legal or tax advice. Rules change, so we confirm current requirements during discovery; your tax adviser should confirm anything that affects filings.
Sources consulted:
02 — Cities
Each guide covers the local economy, the industries we would build for first, and how working with Jaipur fits your hours.
03 — Industries
The industries that come up most across the cities we cover in Canada.
04 — Services
ERP built around how your business actually trades, not the other way round.
Learn moreProduction AI built on your own data: knowledge assistants, document processing, forecasting and LLM features inside the tools your team already uses.
Learn moreCustom AI agents that do real work inside your business: qualify leads on WhatsApp, read and key documents, take orders, chase payments and update your ERP or CRM, with a person approving anything that matters.
Learn moreCustomer portals, internal tools, dashboards, marketplaces and workflow apps, built with React and Next.js on solid back ends and APIs, and shipped in two-week increments you can use as they are built.
Learn moreFrom MVP to multi-tenant platform: we design, build and run SaaS products with subscription billing, tenant isolation, role-based access and AI features built in.
Learn moreIf it runs on data and touches revenue, we have probably built one before.
Start a conversation05 — FAQ
Yes. Flip Retail is based in Jaipur, India, and works with Canada businesses remotely. We have no office in Canada; discovery happens on video calls, you get working software every two weeks, and the engineers who write the code are on the calls.
Yes. Invoicing is built for Canada's GST/HST (standard rate 5% GST). A custom ERP produces compliant invoices and tax reports, and we keep the rules updated as they change.
PIPEDA governs private-sector personal data outside provinces with their own laws (Quebec, Alberta, BC), requiring meaningful consent and breach reporting where there is a real risk of significant harm; Bill C-27 died in January 2025 and its successor, Bill C-36 (Protecting Privacy and Consumer Data Act), was introduced on 15 Jun 2026 and is at second reading. You choose where the system is hosted, access is role-based, and we work on test or masked data during development wherever possible.
Yes. Masters, ledgers, stock items and opening balances move across and are reconciled with your accountant before cutover, ideally at a year-end or quarter-end.
No AI-specific statute (the proposed Artificial Intelligence and Data Act died with Bill C-27 in January 2025); businesses rely on the voluntary federal Code of Conduct for generative AI, Quebec Law 25's notice rules for decisions made exclusively by automated processing, and Ontario's rule (from January 2026) to disclose AI use in public job postings. We design AI agents with logging, human oversight and clear disclosure from the start, which covers most current requirements.
Contact
Tell us about the process you want fixed in your Canada business. We reply within one working day.