# BlockchainPayments.ca

> Independent Canadian educational portal (part of the MITEY network) for testing blockchain and stablecoin payments against cards, Interac e-Transfer, EFT and wires. Free browser-based cost and cash-flow models, a simulation-only developer sandbox (testnets, no funds, no keys), and dated, sourced explainers of Canadian rules (FINTRAC, CRA, CSA, Bank of Canada RPAA and Stablecoin Act, PCI DSS). The site does not process payments, hold funds, provide wallets or have partnerships or licences. Facts last reviewed October 30, 2026. Not financial, legal or tax advice.

## Tools
- [Free Payment Tools: Cost, Settlement and Readiness Models](https://blockchainpayments.ca/tools)
- [Payment Cost Comparison: Card vs Interac vs Wire vs Stablecoin](https://blockchainpayments.ca/tools/payment-cost-comparison)
- [Settlement Time and Cash-Flow Simulator for Canadian Businesses](https://blockchainpayments.ca/tools/settlement-cash-flow-simulator)
- [Merchant Payment Scenario Builder: Annual Cost and Working Capital](https://blockchainpayments.ca/tools/merchant-scenario-builder)
- [FX Spread Calculator: What Currency Conversion Really Costs](https://blockchainpayments.ca/tools/fx-spread-calculator)
- [Chargeback Exposure Calculator: Fees, Lost Revenue and Staff Time](https://blockchainpayments.ca/tools/chargeback-exposure-calculator)
- [Crypto Payment Receipt Record: CAD Value, GST/HST and Conversion](https://blockchainpayments.ca/tools/crypto-receipt-record)
- [Blockchain Payments Readiness Quiz for Canadian Businesses](https://blockchainpayments.ca/tools/readiness-quiz)
- [Payment Provider Evaluation Checklist (Crypto and Stablecoin)](https://blockchainpayments.ca/tools/vendor-evaluation-checklist)

## Developer sandbox (simulation only)
- [Developer Sandbox: Testnet Payment Requests, Webhooks and Lifecycle](https://blockchainpayments.ca/sandbox)
- [Payment Request QR Generator (Testnet Simulation)](https://blockchainpayments.ca/sandbox/payment-request-qr)
- [Crypto and Stablecoin Invoice Builder with GST/HST (Simulation)](https://blockchainpayments.ca/sandbox/invoice-builder)
- [Payment Webhook Payload Explorer and Signature Tester](https://blockchainpayments.ca/sandbox/webhook-explorer)
- [Blockchain Transaction Lifecycle Visualizer: Mempool to Finality](https://blockchainpayments.ca/sandbox/transaction-lifecycle)

## Compliance (dated, primary sources)
- [Compliance Hub: FINTRAC, CRA, CSA, RPAA and PCI for Crypto Payments](https://blockchainpayments.ca/compliance)
- [FINTRAC MSB Registration and Crypto Payments in Canada](https://blockchainpayments.ca/compliance/fintrac-msb-registration)
- [FINTRAC Travel Rule for Virtual Currency Transfers](https://blockchainpayments.ca/compliance/travel-rule)
- [Large Virtual Currency Transaction Reports (LVCTR)](https://blockchainpayments.ca/compliance/large-virtual-currency-transaction-reports)
- [Crypto Payments and Business Income: CRA Basics](https://blockchainpayments.ca/compliance/cra-crypto-business-income)
- [GST/HST on Crypto Payments in Canada](https://blockchainpayments.ca/compliance/gst-hst-on-crypto-payments)
- [CSA Stablecoin Rules: VRCAs and Trading Platforms](https://blockchainpayments.ca/compliance/csa-stablecoin-status)
- [Canada's Stablecoin Act: Enacted, Not Yet in Force](https://blockchainpayments.ca/compliance/stablecoin-act)
- [Retail Payment Activities Act (RPAA): A Business Guide](https://blockchainpayments.ca/compliance/retail-payment-activities-act)
- [PCI DSS vs Crypto Payments: What Applies in Canada](https://blockchainpayments.ca/compliance/pci-dss-vs-crypto)
- [Crypto Payment Record-Keeping Checklist (CRA and FINTRAC)](https://blockchainpayments.ca/compliance/record-keeping)

## Guides
- [Learn Blockchain Payments: 24 Plain-Language Canadian Guides](https://blockchainpayments.ca/learn)
- [Accounting for Crypto Receipts in Canada](https://blockchainpayments.ca/learn/accounting-for-crypto-receipts)
- [Canada's Real-Time Rail: Status and Context](https://blockchainpayments.ca/learn/real-time-rail-canada)
- [Chargebacks vs Irreversible Payments: Trade-offs](https://blockchainpayments.ca/learn/chargebacks-vs-irreversible-payments)
- [Cross-Border Payments From Canada: Costs Compared](https://blockchainpayments.ca/learn/cross-border-payments-from-canada)
- [Crypto Payment Scams: Patterns and Red Flags](https://blockchainpayments.ca/learn/crypto-payment-scams)
- [Crypto Custody Models for Canadian Businesses](https://blockchainpayments.ca/learn/custody-models-explained)
- [How Card Processing Fees Work in Canada](https://blockchainpayments.ca/learn/how-card-processing-fees-work)
- [How to Pilot Crypto Payments: A Staged Plan](https://blockchainpayments.ca/learn/how-to-pilot-crypto-payments)
- [Interac e-Transfer for Business: Costs and Limits](https://blockchainpayments.ca/learn/interac-e-transfer-for-business)
- [Network Fees Explained: Gas, Congestion, Ticket Size](https://blockchainpayments.ca/learn/network-fees-explained)
- [On-Chain Settlement and Finality, Explained](https://blockchainpayments.ca/learn/on-chain-settlement-and-finality)
- [Payment Rails in Canada: Cards to Stablecoins](https://blockchainpayments.ca/learn/payment-rails-in-canada)
- [Payment Request Standards: BIP-21 and EIP-681](https://blockchainpayments.ca/learn/payment-request-standards)
- [Price Volatility and Conversion for Merchants](https://blockchainpayments.ca/learn/price-volatility-and-conversion)
- [Questions to Ask a Crypto Payment Provider](https://blockchainpayments.ca/learn/questions-to-ask-a-payment-provider)
- [Reconciling On-Chain Payments to Invoices](https://blockchainpayments.ca/learn/reconciling-on-chain-payments)
- [Refunds On-Chain: Policies, Rates and Addresses](https://blockchainpayments.ca/learn/refunds-on-chain)
- [Stablecoins vs Cards for Canadian Merchants](https://blockchainpayments.ca/learn/stablecoins-vs-cards-for-merchants)
- [Wallet Security for Businesses: Keys and Controls](https://blockchainpayments.ca/learn/wallet-security-for-businesses)
- [Webhooks and Payment Events for On-Chain Payments](https://blockchainpayments.ca/learn/webhooks-and-payment-events)
- [What Are Blockchain Payments? A Canadian Primer](https://blockchainpayments.ca/learn/what-are-blockchain-payments)
- [What Is a Stablecoin? A Canadian Business Guide](https://blockchainpayments.ca/learn/what-is-a-stablecoin)
- [Wire Transfers and FX Spreads: The Hidden Cost](https://blockchainpayments.ca/learn/wire-transfers-and-fx-spreads)
- [Working Capital and Settlement Time](https://blockchainpayments.ca/learn/working-capital-and-settlement-time)

## Industries
- [Blockchain Payments for Canadian Online Stores](https://blockchainpayments.ca/industries/e-commerce)
- [B2B Invoicing: Wires, EFT and Stablecoins in Canada](https://blockchainpayments.ca/industries/b2b-invoicing)
- [Crypto Remittances from Canada: Costs, Rules and Risks](https://blockchainpayments.ca/industries/remittances)
- [Getting Paid in Crypto as a Canadian Freelancer](https://blockchainpayments.ca/industries/freelancers)
- [Crypto and Real Estate Deposits in Canada: What to Ask](https://blockchainpayments.ca/industries/real-estate-deposits)

## Start here by role
- [Blockchain Payments for Canadian Merchants: Start Here](https://blockchainpayments.ca/for/merchants)
- [Stablecoin Payments for CFOs and Finance Leads in Canada](https://blockchainpayments.ca/for/cfos)
- [Blockchain Payment Integration for Developers: Start Here](https://blockchainpayments.ca/for/developers)
- [Crypto Receipts for Accountants and Bookkeepers in Canada](https://blockchainpayments.ca/for/accountants)
- [Paying with Crypto in Canada: What Consumers Should Know](https://blockchainpayments.ca/for/consumers)

## Reference
- [Blockchain Payments Glossary: Payment, Crypto and Compliance Terms](https://blockchainpayments.ca/glossary)
- [Blockchain Payments FAQ for Canadian Businesses and Consumers](https://blockchainpayments.ca/faq)
- [Methodology: How the Payment Cost and Cash-Flow Models Work](https://blockchainpayments.ca/methodology)
- [Payment Infographics: Rails, Fee Stacks, Settlement and Compliance](https://blockchainpayments.ca/infographics)
- [Sources and Review Dates](https://blockchainpayments.ca/sources)
- [About BlockchainPayments.ca and the MITEY Network](https://blockchainpayments.ca/about)
- [Request a Free Payment Scenario Review](https://blockchainpayments.ca/scenario-review)
- [Disclaimer: Educational Information Only](https://blockchainpayments.ca/disclaimer)