Arrange to pay your debt over time – Payments to the CRA
If you can’t pay your debt right away, you can schedule a series of payments in your online CRA account using a pre-authorized debit (PAD) agreement. You can also call the CRA to set up a payment arrangement.
If you received a letter from a collections officer, call them at the number provided as soon as possible.
Schedule a series of payments
Calculate your monthly income and expenses
Use the personal income and expense worksheet to determine what you can afford to pay on a regular basis.
Schedule your payments online or by phone
- Online
You can schedule a series of automatic pre-authorized debit (PAD) payments from your bank account in:
- My Account
- My Business Account
- Represent a Client (legal representatives for individuals only)
- By phone
To work with us to set up a payment arrangement for a debt you owe, you can:
- Call the automated TeleArrangement service
- Speak to an agent
Determine if you can schedule payments for this debt online
You can schedule a series of payments in My Account, My Business Account or Represent a Client for the following debts:
My Account
- Personal income tax
My Business Account
- Corporate income tax
- Payroll deductions
- GST/HST
- COVID-19 business subsidies
- Excise duty, excise tax or excise tax on insurance premiums
- Air travellers security charge (ATSC)
- Fuel charge
- Partnerships
Other payments not online
- If you would like to pay any other type of debt, including COVID-19 benefits for individuals, or other overpayments over time, contact us by phone.
Sign in to your CRA online account
- Sign in to your account
- Select "Proceed to pay"
- Choose "Schedule a series of payments"
- Fill in the fields to set up and confirm your PAD agreement
Pay on behalf of someone else
Only legal representatives for individuals can schedule payments in Represent a Client.
Business representatives are not able to schedule pre-authorized debits for businesses they represent.
Prepare for your payments to start
Your pre-authorized debit payment agreement begins when your first scheduled payment is withdrawn from your account.
Read more about how to set up pre-authorized debit payments, including how to change, cancel, view, and skip payments: Pay by scheduled pre-authorized debit payment(s) through CRA online services
Stay up to date with your obligations
Once you have set up your payments, you must continue to make payments on the agreed upon dates. You have to file all future returns on time and stay up to date with your obligations. We may review your payment arrangement periodically.
Change your payment arrangement
If you need to change a payment arrangement or you are unable to make a payment, call us.
If you don't modify your payment arrangement before paying less than you agreed to, the CRA may proceed with legal actions to collect what you owe. Refer to: If you don't pay your debt
We may apply other federal payments you receive to your debt
Even if you have a payment arrangement and are making payments, we may use some benefits and other credit payments you receive to pay your debt. Refer to: How payments are applied to offset your debt
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