Last checked: 2026-09-26
Stripe Payment Links leave you as the merchant. That is a different question from a Merchant of Record collecting tax on the buyer’s purchase. This page names the problem. It does not reprint Stripe’s fee tables. Recheck stripe.com/legal/ca-required-regulatory-disclosures before you open an account. Not tax, legal, or accounting advice.
Stripe’s Canada required regulatory disclosures define card-not-present as a card that was not electronically read, for example an online payment. A Payment Link for a download is that case. The same annex prints a card-present table next to it. Those two tables are not interchangeable. Interac and other network rows sit on that page; read the row that matches how the card is presented.
The same annex says rates may vary where IC+ pricing applies, and that each rate is set by the card network and is subject to change. This guide does not copy the percentages.
The same disclosures print an international table, including cards presented in CAD and cards presented in USD. A Canadian seller charging CAD still has to read that table when the card is not domestic. This guide does not reprint those rows.
Because you are the merchant, Stripe Payment Links do not answer the CRA small-supplier tests by themselves. You still report the income in Canada. The same annex lists dispute fees as their own rows, including what happens if you contest. This page does not add those fees into one number and does not print them.
KeepCAD 2026 is the dated calculator and PDF that maps Stripe’s Canada tape against Gumroad, Payhip, Polar, and Lemon Squeezy, including who is the merchant. The sales page keeps one Discover versus Stripe teaser. The rest of the tape is in the zip.
Source: stripe.com/legal/ca-required-regulatory-disclosures (fetched 26 September 2026; the live URL redirected to the en-ca path). Recheck it. Not tax advice.