Billing software for Ontario marketing agencies
Ontario is Canada's largest agency market — Toronto alone has more reseller agencies than the next 3 cities combined.
Why Ontario matters
Ontario's 13% HST applies uniformly, which makes invoicing operationally simpler than provinces with stacked GST + PST. The trade-off: the combined rate is higher than Alberta's 5% GST-only environment, so retail pricing has to absorb it more visibly.
Toronto + the Greater Golden Horseshoe (Hamilton, K-W, London, Ottawa-Gatineau corridor) accounts for the bulk of Ontario agency volume. Cross-border (US-Ontario) billing is common; HubWho's Stripe Connect supports both USD + CAD currencies.
Metros in Ontario
Toronto
Toronto is Canada's largest agency market — a deep mix of B2B SaaS, finance, and healthcare clients. Agencies here typically run $1M-$10M/year reseller books with sophisticated billing needs.
Ottawa
Ottawa agencies tilt heavily toward government + B2B-professional. 13% HST applies uniformly — billing operations stay simple.
Hamilton
Hamilton blends Greater Golden Horseshoe industrial clients with a growing tech-adjacent SMB scene. HST simplicity makes billing tooling a clean win.
Kitchener-Waterloo
K-W is the tech-corridor heart of Ontario. Agencies here see disproportionately high SaaS + B2B-services client density per square kilometer.
London
London (Ontario) agencies serve a deep mid-market mix with healthcare + insurance overweight. HST-only tax regime simplifies invoicing.
FAQ — Ontario agencies
Does HubWho support Ontario sales tax?+
Yes — Ontario is 13% HST. Stripe Tax computes per-line accuracy automatically; static-rate fallback is available for agencies that prefer manual control. Set it in Settings → Billing Policy.
Can Ontario agencies use ACH-equivalent (PAD) bank pulls?+
Yes. Plaid supports Canadian bank accounts (Big-5 + most credit unions). Bank-pull cost is 0.8% capped at $5 CAD via Stripe Connect.
Does HubWho handle Ontario HST automatically?+
Yes when Stripe Tax is enabled. HubWho's tax engine selector (Settings → Billing Policy) routes to Stripe Tax for jurisdictional accuracy, OR uses the static 13% Ontario HST rate from lib/canada-geo-data.ts for agencies that prefer manual tax. Quebec QST is the one province where Stripe Tax is most-valuable due to its compound complexity.
Can Ontario agencies bill US clients?+
Yes. Stripe Connect supports cross-border CAD↔USD invoicing. Set the invoice currency per-client; the end-client sees the invoice in their currency, you settle in yours. Exchange-rate conversion fees show line-by-line.
Try HubWho free for 14 days.
No credit card. Live with your first invoice in under an hour. Works for Ontario agencies just like any US market.
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