How to Make a Payment to the Canada Revenue Agency Using a Credit Card

by Richard Long ; Updated July 27, 2017
Paying Revenue Canada with a credit card

The Canada Revenue Agency (CRA) does not accept credit-card payments. As of 2010, the methods for payment include check, money order or direct transfers from bank accounts. That being said, most major credit cards offer cash-advance services. Credit-card companies will provide blank credit-card cash-advance checks to their customers. You write the check out to your recipient for the amount you want to pay, just like any ordinary check. The amount of the check is added to your credit-card balance.

With Your Tax Return

Step 1

Write a credit-card cash-advance check for the amount that you owe and make it out to yourself.

Step 2

Deposit this check into your bank account.

Step 3

Write a personal check for the amount that you owe and make it out to the “Receiver General”. If you don’t have personal checks, you can use a money order instead. You can get a money order at any bank or post office, but you must pay a small fee for the service.

Step 4

Write your social insurance number on the back of the check. This helps the CRA process your payment more quickly.

Step 5

Attach the check to the front of your completed paper tax return.

Step 6

Send your tax return with your attached check to a CRA tax center. Find a list of tax centers in Resources.

Online

Step 1

Write a credit-card cash-advance check for the amount that you owe and make it out to yourself.

Step 2

Deposit this check into your bank account. To pay with this method, you must have an online banking account with Bank of Montreal, Royal Bank, Scotiabank or TD Canada Trust.

Step 3

Go to the CRA’s My Payment web page. Find a link to this page in Resources.

Step 4

Click “Start My Payment” and follow the prompts to complete the payment process. You need to log in to your online bank account during this process, so have your bank account number and password ready.

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At Your Bank

Step 1

Write a credit-card cash-advance check for the amount that you owe and make it out to yourself.

Step 2

Deposit this check into your bank account.

Step 3

Get a T7DR(A) form from the CRA. You must contact the CRA directly to get this form because it is personalized with magnetic ink and can not be downloaded from the website. You can reach an agent weekdays between 8:15 a.m. and 5 p.m. at 1-800-959-8281.

Step 4

Bring the T7DR(A) form to your bank. Your bank can use the form to transfer the money you owe directly from your bank account to the CRA.

Warnings

  • With most credit-card companies, interest begins to accrue on a cash advance the moment the advance is taken and, in some cases, the interest rate is higher than for regular purchases.

About the Author

Richard Long is an English teacher in Toronto, Canada and has been writing for over five years. He has had work published in "Geist" and "Speak2Me" magazines and is currently completing a certificate in technical communication from George Brown College.

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