Ontario, Canada
Custom ERP and billing, AI agents, web applications and SaaS for financial services and technology businesses in Toronto. Built by Flip Retail in Jaipur, India, and delivered remotely, with working software every two weeks.
National tax, e-invoicing and data rules, with sources: Canada guide. General information, not legal or tax advice. Last reviewed October 2026.
01 — Local economy
Bay Street houses the operational headquarters of Canada's largest banks and the Toronto Stock Exchange, making financial services, insurance and the law and accounting firms that serve them the core of the economy. The region also has a large software and AI research community around the MaRS Discovery District, film and TV studios in the Port Lands, and food and auto-parts plants across the surrounding suburbs.
English
02 — Industries
What we would build first for the industries Toronto is known for.
03 — Local rules
On top of the national rules summarised above.
| Ontario | Sales tax: HST 13%Privacy: PIPEDA (Ontario's PHIPA covers personal health information) |
|---|
General information, not legal or tax advice. Last reviewed October 2026. National tax, e-invoicing, data-protection and AI rules, with sources, are in our Canada guide.
04 — Working together
Jaipur is 10 h 30 min ahead of Toronto on standard time, and 9 h 30 min ahead during daylight saving time there. A 09:00 start there is 19:30 in Jaipur. Office hours don't overlap, so we fix one call slot at the edge of the day and work asynchronously in between.
Local time, standard time.
Pranjal was excellent — fast, great at communicating, and completed the custom work.
50+ projects for 30+ clients in 11 countries over six-plus years.
05 — FAQ
Yes, remotely. Flip Retail is a software studio in Jaipur, India, with no office in Toronto; discovery happens on video calls and you get working software every two weeks.
Jaipur is 10 h 30 min ahead of Toronto on standard time, and 9 h 30 min ahead during daylight saving time there. A 09:00 start there is 19:30 in Jaipur. Office hours don't overlap, so we fix one call slot at the edge of the day and work asynchronously in between.
Yes. Invoicing handles Ontario sales tax (HST 13%) alongside federal GST. A custom ERP produces compliant invoices and tax reports, and we keep the rules updated as they change.
Usually one module that fixes the most expensive problem first. For financial services & fintech that is often onboarding & KYC workflows and loan and policy lifecycle. It goes live early, and the rest of the system follows in two-week increments while your team is already using it.
Contact
Tell us about the process you want fixed. We reply within one working day.