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Wix Payments in Canada: Rates and Availability
Wix Payments launched in Canada in 2021 and is available to merchants in all provinces. It's the integrated payment option — customers don't leave your Wix site to check out, and your sales dashboard shows everything in one place.
Current Wix Payments rates for Canada (2026):
| Payment Method | Rate | Notes |
|---|---|---|
| Credit/debit card (online) | 2.9% + $0.30 | Visa, Mastercard, Amex |
| Tap to Pay (in-person via Wix) | 2.6% + $0.10 | For Wix POS users |
| Manual payment (e-transfer, etc.) | No fee | You collect offline; Wix marks order as paid |
Payouts from Wix Payments go to a Canadian bank account. Processing time is typically 3–5 business days after a transaction — slower than Stripe (1–2 days) or Helcim (next-day). For merchants with high order volume, this payout delay can create cash flow gaps.
⚠️ Wix Payments holds and account issues
Wix Payments is powered by Wix's internal financial infrastructure, not a standalone payment company. Canadian merchants have reported account holds and fund freezes without clear communication — particularly for stores selling digital goods, supplements, or other elevated-risk categories. If your product category is even slightly non-standard, connect Stripe or PayPal instead of relying on Wix Payments as your primary processor.
Wix Payments does not support Interac e-Transfer as an integrated online payment method. Customers cannot pay by e-Transfer through the Wix checkout. If you want to accept e-Transfer (common for Canadian B2B or custom order businesses), you need to offer it as a "manual payment" method — which means you tell Wix the payment was received after the fact. This isn't ideal for automated order flow.
Connecting Stripe or PayPal to Wix
Wix supports third-party payment providers alongside or instead of Wix Payments. The two most commonly used by Canadian merchants are Stripe and PayPal.
Stripe on Wix Recommended
Stripe is the best third-party option for most Canadian Wix stores. Setup takes about 10 minutes: go to your Wix Dashboard → Settings → Accept Payments → Add Payment Method → Stripe. You'll complete Stripe's identity verification, then connect your Canadian bank account.
Stripe's rate (2.9% + $0.30) matches Wix Payments, but Stripe offers meaningfully better fraud tools (Stripe Radar), faster payouts, clearer dispute handling, and more reliable account stability. Stripe also supports Apple Pay, Google Pay, and Link (Stripe's buy-now checkout) — all of which increase conversion at checkout.
One caveat: when using Stripe through Wix, you don't get access to all of Stripe's advanced features (like Stripe Billing or custom payment flows) — you're using it as a checkout payment method only. For advanced Stripe functionality, you'd need to build outside of Wix.
PayPal on Wix
PayPal is easy to connect to Wix and some customers strongly prefer paying via their PayPal account — particularly for purchases where they don't want to enter card details on a site they don't recognize. That said, PayPal's standard rate of 3.49% + fixed fee is notably higher than Stripe's 2.9% + $0.30.
For Canadian merchants, PayPal has an additional complication: PayPal's currency conversion fee (2.5–3% on top of the exchange rate spread) can make international sales expensive. If you're selling to Canadians in CAD, PayPal is fine. If you're processing in multiple currencies, examine PayPal's FX markup carefully.
Recommendation: offer PayPal as a secondary option alongside Stripe, but don't use it as your only payment method.
Setting Up GST/HST on Wix Stores
Wix does not automatically configure Canadian sales taxes. You need to set this up manually, and getting it right matters — incorrect tax collection creates problems at CRA filing time.
Here's how to configure GST/HST correctly for a Canadian Wix store:
- Go to Settings → Tax. Wix's tax settings are under the Finance section of your dashboard. Select "Set up tax manually" for Canada.
- Add tax rates by province. Canada's tax structure varies: Ontario is 13% HST, BC is 5% GST + 7% PST (12% combined, but collected separately for most goods), Alberta is 5% GST only, Quebec is 5% GST + 9.975% QST. You need separate tax rules for each province where you have customers — or at least where you have a presence.
- Set the tax to apply to product price, not including shipping (if you're charging for shipping, shipping is also generally taxable for GST/HST purposes — configure this separately).
- Specify your GST/HST registration number. Once registered, your number should appear on invoices Wix generates. Wix allows you to add this in Business Info settings.
- Verify tax-exempt products. Some products are GST/HST exempt (basic groceries, certain medical supplies). If you sell in these categories, mark those products as tax-exempt in Wix's product settings.
⚠️ Wix doesn't handle PST/RST automatically
Wix's tax system handles HST and GST reasonably well but has limitations with provincial sales tax (PST in BC, Manitoba, Saskatchewan; RST in Ontario for certain goods; QST in Quebec). PST is not collected by the federal government and has different rules by province — some apply to services, some don't; some have exemptions that GST doesn't. You may need to use a third-party tax app (like Avalara's Wix integration) or manually manage PST if you have significant sales into provinces with PST. Consult a Canadian accountant if your tax situation is complex.
See our GST/HST payment processing guide for a full breakdown of Canadian sales tax and online businesses.
Multi-Currency for International Sales on Wix
Wix Stores supports multi-currency display — showing prices in USD, EUR, GBP, or other currencies based on visitor location. However, there's an important distinction between displaying prices in multiple currencies and actually processing payments in multiple currencies.
What Wix actually does: Wix converts displayed prices based on exchange rates and shows customers their local currency. But the actual charge is processed in your store's base currency (CAD for Canadian merchants). This means a US customer sees a USD price, but Stripe or Wix Payments charges them the equivalent in CAD at the current exchange rate — with Stripe or Wix handling the conversion.
The FX markup problem: When Wix Payments handles currency conversion, it applies a markup (typically 2–3%) on top of the mid-market rate. Stripe's FX fee is 2% for international cards. Neither option is as clean as having separate USD and CAD merchant accounts — but for most Canadian small businesses selling internationally, the simplicity outweighs the cost.
If you're selling significant volume to US customers (say, $5,000+/month in US sales), it's worth looking at a dedicated ecommerce platform (Shopify) with Shopify Payments, which gives you a proper USD merchant account and avoids cross-currency conversion fees entirely. See our multi-currency merchant account guide for Canadian merchants.
Wix Limitations vs Dedicated Ecommerce Platforms
Wix is a general-purpose website builder that added ecommerce features. This creates real limitations for merchants with serious volume or complex needs:
✅ Where Wix works well
- Small stores with under ~$10K/month GMV
- Service businesses that also sell a few products
- Local businesses that primarily use the website for information and take some online orders
- Businesses that already have a Wix website and want to add a simple checkout
- Digital downloads (PDFs, templates, photos)
⚠️ Where Wix falls short
- Complex inventory management (variants, bundles, low-stock alerts)
- Subscription/recurring products (requires Wix's limited subscription app)
- Advanced shipping rules (real-time carrier rates, dimensional weight)
- Abandoned cart recovery (available, but less powerful than Shopify/Klaviyo)
- Third-party app ecosystem significantly smaller than Shopify
- No native B2B wholesale pricing
The most common scenario: a Canadian small business builds on Wix because it's easy, grows to $15K–$30K/month in online sales, and then faces the painful migration to Shopify because Wix can't handle the inventory, reporting, or shipping complexity. If you're planning serious ecommerce growth from the start, build on Shopify. If you're testing an online store alongside an existing Wix site, Wix is fine.
For comparison, see our guides on WooCommerce payment gateways in Canada and Squarespace payments for Canadian merchants.