Built for CRA

Expense management for Canada bookkeepers.

ExpenseFlow is an AI-powered expense management tool for Canadian businesses. It captures receipts via OCR, codes them with CRA-compliant GST, HST, PST, and QST treatments, and syncs natively to QuickBooks Online and Xero. Built for bookkeepers managing multiple Canadian clients across provinces, with native handling of input tax credits and the meals-and-entertainment 50% rule.

  • CRA audit trail
  • CAD receipt capture
  • Native Xero & QuickBooks sync

Native integrations

Two-way sync with the platforms Canada bookkeepers actually use

Need Sage, MYOB, FreeAgent or another platform?

We're prioritising integrations by request volume. Tell us your platform and we'll bring you into a direct conversation with the founder.

What ExpenseFlow catches automatically

Canada edge cases the AI handles at capture

Drawn from the CRA rules our compliance engine ships with today. These are the country-specific traps the AI surfaces for review before the document is synced.

Place-of-supply rule (cross-province)

Tax follows the buyer's province, not the supplier's. An Ontario contractor doing landscaping in BC must charge BC GST 5%, not Ontario HST 13%. ExpenseFlow surfaces cross-province invoices where the rate does not match the buyer's province.

Catches the most-common CRA reassessment trigger

50% meals = income tax, NOT GST/HST

The 50% deduction limit on meals and entertainment is an income tax rule. The full GST/HST on the receipt is still claimable as an input tax credit. The platform applies the full ITC at capture and surfaces the 50% deductibility flag for year-end.

Recovers GST that would otherwise be left on the table

Five tax combinations across provinces

AB / Yukon / NT / Nunavut use GST only (5%). BC, SK, MB use GST + PST. Quebec uses GST + QST. ON, NB, NS, NL, PEI use HST (13% or 15%). The AI infers the supplier's province from the invoice and applies the matching combination.

No manual province-mapping per client

PST is NOT an ITC, but QST has its own ITR

PST in BC, SK, MB is a cost to the business (not recoverable). Quebec QST has its own input tax refund system separate from GST. ExpenseFlow keeps QST on a separate tracking line so Revenu Québec reconciliations work.

QST refunds claimed correctly, PST sits in COGS

ITC time limits: 4 years vs 2 years

Most registrants have 4 years from the end of the reporting period to claim an ITC. Large businesses (over C$6M in annual taxable supplies) and listed financial institutions have only 2 years. The platform flags older invoices that risk falling out of the window.

No quietly-expired ITCs

Ontario RITC for large businesses

Large businesses (over C$10M in annual taxable supplies) face restricted ITCs in Ontario on telecommunications, energy, road vehicles, and food / beverages / entertainment. The platform tags these categories so the recapture is applied at the right rate.

Avoids ON-specific RITC penalties

Want the full CRA deep dive? The complete Canada compliance guide covers every rule, threshold, and edge case the platform handles.

Why Canadian bookkeepers choose ExpenseFlow

Canadian bookkeepers and accountants live with the most balkanised sales-tax regime in the English-speaking world. A QuickBooks file for an Ontario client posts HST; the same supplier shipping to a BC client posts GST plus PST; a Quebec client adds QST on top. Every receipt is implicitly a province-detection problem before it is anything else. The classic failure mode is miscoded tax that shows up months later as a CRA reassessment or a botched ITC claim. ExpenseFlow is built to make that the platform’s job, not the bookkeeper’s.

Three pieces of friction define the Canadian workflow. First, the HST/GST/PST/QST mix: five different combinations across the provinces, each with its own rates and rules. Second, input tax credits, where the same supplier purchase might be 100% claimable for one client and only partially claimable for another (meals at 50%, certain financial supplies non-claimable, personal-use blocked). Third, bilingual receipts from Quebec suppliers, which break OCR pipelines that assume English-only invoices. ExpenseFlow’s AI is trained on multilingual Canadian receipts, identifies the supplier’s province from the receipt, picks the right tax combination, and applies the correct deductibility rule per line.

For practices serving a mixed portfolio of incorporated companies and sole proprietors across provinces, this collapses dozens of judgement calls per week into a review-and-approve flow.

CRA compliance built in

The CRA’s record-keeping rules are summarised on the CRA’s Keeping records page and the Excise Tax Act governs GST/HST. ExpenseFlow’s defaults align with both.

  • Multi-province tax handling, distinguishing GST (5%), HST (13% to 15% depending on province), provincial PST (BC, SK, MB), and QST (Quebec). The AI infers the supplier’s province from the receipt rather than relying on the client’s billing address
  • Audit trail preserved: immutable image, hash, timestamp, and link to the resulting bill or expense, held for the CRA’s six-year retention period
  • Tax-invoice-compliant fields extracted (supplier name, GST/HST registration number, invoice date, total, and tax breakdown) and stored as structured data alongside the image
  • Direct sync to QuickBooks Online or Xero preserves the tax code, category, and supplier mapping so ITC claims reconcile against the GST/HST return without manual rework

Meals-and-entertainment (50% deductible), personal-use vehicle expenses, and other deductibility limits are tagged at capture so year-end adjustments do not require recombing through 12 months of bills.

Integrations for Canadian accounting workflows

Canada is the most QuickBooks-skewed of the five markets, and ExpenseFlow ships with the two integrations that matter most for it:

QuickBooks Online (Canada). The dominant SMB platform. Bills, expenses, and supplier credits sync two-way with GST/HST/PST/QST codes, classes, and tracking preserved. Receipt images attach to the underlying transaction for in-platform review.

Xero. Growing share among newer SMBs and bookkeeping practices migrating off legacy desktop software. Full Canadian tax code mapping, including the HST provinces and Quebec QST.

Sage 50 Canada is on the roadmap and prioritised by request volume. If your firm runs on Sage 50 (formerly Simply Accounting), request access and flag the platform. The founder will follow up directly. Integrations run continuously rather than as a nightly batch, which is practical for HST-quarterly filers who need a current snapshot at all times.

Pricing for Canadian practices

ExpenseFlow’s subscription is billed in USD across every jurisdiction. One rate card, no FX surprises at renewal. Receipt capture, GST/HST/PST/QST coding, and sync to QuickBooks Online or Xero still run in CAD for your Canadian clients; only the SaaS subscription itself is USD. The model scales by the number of client companies under management, not by document volume. That matters for Canadian practices that often manage a long tail of small holding companies and trusts alongside operating businesses.

Per-company pricing covers receipt capture, AI categorisation, Canadian multi-tax coding, sync to QuickBooks Online or Xero, and bookkeeper-side review tooling. Founding-customer pricing currently locks in a 25% discount for the life of the account. Full pricing tiers, including the lighter For Business Owners plan, are on the bookkeeper pricing page.

Frequently asked questions

Does ExpenseFlow handle GST, HST and provincial PST/QST correctly?

Yes. The AI applies the right tax per receipt based on the supplier's province: 5% GST plus PST in BC, SK and MB; HST in ON, NB, NS, NL and PEI; GST plus QST in Quebec; and 5% GST alone elsewhere. The correct tax code posts to QuickBooks Online or Xero.

Which Canadian accounting platforms does ExpenseFlow integrate with?

QuickBooks Online (the dominant Canadian platform) and Xero are supported natively today. Bills, expenses, and supplier records sync with full GST/HST/PST/QST tax codes preserved. Sage 50 is on the roadmap. Request access with that flagged and the founder will follow up directly.

Is ExpenseFlow CRA-compliant for record-keeping?

Yes. Captured receipts meet the CRA's electronic record-keeping rules with immutable image, hash, and timestamp. Documents are retained for the CRA's six-year requirement. See the CRA's keeping records guidance for the full requirements.

Can ExpenseFlow distinguish ITCs and non-claimable expenses?

Yes. The AI categorises receipts so input tax credits are claimed only on eligible business expenses, and personal-use, meals-and-entertainment (50% rule), and non-claimable categories are tagged correctly before the GST/HST return.

Does ExpenseFlow handle the Quebec QST regime?

Yes. For Quebec-registered clients, ExpenseFlow applies both 5% GST and 9.975% QST and posts to the accounting platform with the correct two-tax code so Revenu Québec reporting reconciles.

Will ExpenseFlow work for incorporated companies and sole proprietors?

Both. The platform supports federally and provincially incorporated companies, partnerships, and sole proprietors, with separate workspaces per client so a bookkeeper can manage a mixed portfolio.

Does ExpenseFlow track meals-and-entertainment correctly for the 50% rule?

Yes. Receipts categorised as meals and entertainment are tagged with the 50% deduction rule so the synced bill or expense in QuickBooks Online or Xero reflects the correct deductible amount at year-end.

How is ExpenseFlow priced for Canadian practices?

Subscriptions are billed in USD across every jurisdiction we serve, so there is one consistent rate card. Receipt capture, GST/HST/PST/QST coding, and accounting-platform sync still run in CAD end-to-end; only the SaaS subscription itself is USD. Bookkeeper-portal plans scale by the number of client companies; business-owner plans are flat-rate per company.

Keep exploring

Automate Canada expense management

Founding-customer pricing closes when the first Canada cohort lands. Lock in the discount today, and we'll onboard your practice the week we launch.