Canadian accounting firms — payment platforms
Which payment platform fits your clients?
Telpay and Plooto are the two platforms Canadian accounting practices use most to manage client payments. Answer four questions, get a clear recommendation, then model the actual cost for your firm.
Four questions
How do your clients currently pay vendors and staff?
Think about the majority you'd move onto a payment platform.
Do clients pay vendors outside Canada, or need to accept credit card payments?
Even one or two US vendors, or a client who invoices by card, counts here.
How do clients currently pay their employees?
This determines whether employee direct deposit needs to be part of the platform.
Roughly how many clients would you put on a payment platform?
An estimate is fine — it shapes the cost model.
Your recommendation
Also worth knowing
Do any clients collect recurring payments from their own customers?
Telpay and Plooto both handle paying out — to vendors, staff, and government. If any clients also need to collect money from their customers on a regular schedule (membership fees, monthly retainers, instalment plans), Rotessa is the leading Canadian-built tool for that. It works alongside either platform and is designed for accountants to set up on behalf of clients.
Also worth knowing
Do any clients collect recurring payments from their own customers?
Rotessa (rotessa.com) is the leading Canadian-built tool for pre-authorized debit collection. Works alongside Telpay or Plooto.
Changed your mind? Start over
Cost modeller
Adjust the sliders to match your firm. All figures are Canadian dollars using published June 2026 pricing.
Telpay waives your firm's monthly fee as an active partner. Plooto waives it once you have 3 or more active clients on the Grow plan.
Typical client: 15–40 payments per month. High-volume (construction, hospitality, retail): 60–100.
Set to 0 if clients already use a dedicated payroll platform. Telpay: $0.70 per employee per pay run. Plooto does not offer employee direct deposit.
Payroll deductions, HST/GST, and corporate tax instalments sent to the Canada Revenue Agency. Telpay: $2.10 each. Plooto: $3.00 each.
Telpay Max
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Firm monthly fee waived as an active partner
Plooto Grow
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$32 per client per month plus per-payment fees
Monthly saving
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What this means
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Cost by payment type — per client per month
What each category costs at your current settings.
How costs scale as your client base grows
From 5 to 40 clients, using your current settings.
Pricing sourced from Telpay and Plooto published rates, June 2026. Confirm current pricing directly with each vendor before deciding. Telpay pricing ↗ Plooto pricing ↗ Rotessa ↗