--- title: Payment Arrangements with the CRA description: Learn how to set up payment arrangements with the CRA, including scheduling payments online or by phone, and staying current with your tax obligations. image: https://toroaccounting.ca/hubfs/Screenshot%202024-11-09%20222329.png --- [Skip to content](https://toroaccounting.ca/blog/arreglo-de-pagos-con-el-cra#main-content) - [English](https://toroaccounting.ca/blog/arreglo-de-pagos-con-el-cra) - [Spanish](https://toroaccounting.ca/es/blog/arreglo-de-pagos-con-el-cra) English Show submenu for translations [![Toro Financial Inc. dba Toro Accounting](https://toroaccounting.ca/hs-fs/hubfs/Logo-Square%20(500%20x%20200%20px)-1.png?width=450&height=150&name=Logo-Square%20(500%20x%20200%20px)-1.png)](https://toroaccounting.ca/en?hsLang=en) - [Home](https://toroaccounting.ca/en/) - [Taxes](https://toroaccounting.ca/en/tax-filing-services) Show submenu for Taxes - [1st Tax Filing](https://toroaccounting.ca/en/steps-for-filing-t1) - [Bookkeeping](https://toroaccounting.ca/en/bookkeeping) - [Business Plans](https://toroaccounting.ca/en/create-my-business-plan) - [Blog](https://toroaccounting.ca/blog) Open main navigation Close main navigation - [Home](https://toroaccounting.ca/en/) - [Taxes](https://toroaccounting.ca/en/tax-filing-services) Show submenu for Taxes - [1st Tax Filing](https://toroaccounting.ca/en/steps-for-filing-t1) - [Bookkeeping](https://toroaccounting.ca/en/bookkeeping) - [Business Plans](https://toroaccounting.ca/en/create-my-business-plan) - [Blog](https://toroaccounting.ca/blog) - - [English](https://toroaccounting.ca/blog/arreglo-de-pagos-con-el-cra) - [Spanish](https://toroaccounting.ca/es/blog/arreglo-de-pagos-con-el-cra) English Show submenu for translations - [Book a Free Consultation](https://toroaccounting.ca/en/book-consultation) [Book a Free Consultation](https://toroaccounting.ca/en/book-consultation?hsLang=en) Nov 9, 2024, 10:39:57 PM # Payment Arrangements with the CRA [Camilo Toro](https://toroaccounting.ca/blog/author/camilo-toro) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://toroaccounting.ca/blog/arreglo-de-pagos-con-el-cra) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://toroaccounting.ca/blog/arreglo-de-pagos-con-el-cra) [Twitter icon](https://twitter.com/intent/tweet?url=https://toroaccounting.ca/blog/arreglo-de-pagos-con-el-cra) [pinterest-p icon](http://pinterest.com/pin/create/link/?url=https://toroaccounting.ca/blog/arreglo-de-pagos-con-el-cra) [envelope icon](mailto:?body=https://toroaccounting.ca/blog/arreglo-de-pagos-con-el-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. ![Screenshot 2024-11-09 222329](https://toroaccounting.ca/hs-fs/hubfs/Screenshot%202024-11-09%20222329.png?width=754&height=519&name=Screenshot%202024-11-09%20222329.png) # Schedule a series of payments #### Calculate your monthly income and expenses Use the [personal income and expense worksheet](https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/when-you-money-collections-cra/worksheet-disclaimer.html) to determine what you can afford to pay on a regular basis #### Schedule your payments online or by phone | - ##### [En línea](https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/payment-arrangements.html#online) | - ##### [Por teléfono](https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/payment-arrangements.html#phone) | | --- | --- | | You can schedule a series of automatic pre-authorized debit (PAD) payments from your bank account in: - My Account - My Business Account | To work with the CRA to set up a payment arrangement for a debt you owe, you can: - Call the automated TeleArrangement service - Speak to an agent | ## [Online Payment Arrangement](https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/payment-arrangements.html#tab1) ### **1. 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:** ##### **My Business Account:** ##### **Payment arrangements that can't be made onlinne:** - If you would like to pay **any other type of debt, including COVID-19 benefits for individuals, or other overpayments** over time, contact the CRA [by phone](https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/payment-arrangements.html#phone) ### **2. Sign in to your CRA online account** 1. [Sign in](https://www.canada.ca/en/revenue-agency/services/e-services/cra-login-services.html) to your account 2. Select "Proceed to pay" 3. Choose "Schedule a series of payments" 4. Fill in the fields to set up and confirm your PAD agreement ### **3. 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](https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/pay-authorized-debit.html)   ## [Phone Payment Arrangements](https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/payment-arrangements.html#tab2) ### **1. Before you call** When you call, you may need to have: - Social Insurance Number or business number - Full name and date of birth or business name - Complete personal or business address - Assessed return, notice of assessment, reassessment, or other tax document, or be signed in to My Account or My Business Account ### 2. 2.    Call the CRA to set up your payment arrangement - Speak to an agent - Call the number on your notice, or - Find the phone number to call depending on what type of debt you want to pay over time: Call us if you are unable to pay or - **Automated TeleArrangement service** - For personal income tax debt only, call our automated line to make a payment arrangement. Telephone number:  1-866-256-1147 | **Hours** | | | --- | --- | | **Date** | **Hours** | | Monday to Friday | **7 am to 10 pm** (ET) | | Saturday and Sunday | Closed | Closed on [public holidays](https://www.canada.ca/en/revenue-agency/services/tax/public-holidays.html)   ### **3. Start making your payments** To start your payment arrangement, you need to make your first payment towards your debt. For options on how to make your payments, go to [make a payment](https://www.canada.ca/en/revenue-agency/services/payments/payments-cra/individual-payments/make-payment.html).   # 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. The CRA 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 the CRA](https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/when-you-money-collections-cra/contact-canada-revenue-agency-about-your-debt.html). 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](https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/when-you-money-collections-cra/personal-debt/legal-warning.html) # The CRA may apply other federal payments you receive to your debt Even if you have a payment arrangement and are making payments, the CRA may use some benefits and other credit payments you receive to pay your debt. Refer to: [How payments are applied to offset your debt](https://www.canada.ca/en/revenue-agency/services/about-canada-revenue-agency-cra/when-you-money-collections-cra/how-payments-applied-offset-debt.html) [Tax](https://toroaccounting.ca/blog/tag/tax), [Corporation](https://toroaccounting.ca/blog/tag/corporation), [CRA](https://toroaccounting.ca/blog/tag/cra) ## Related posts [![](https://toroaccounting.ca/hs-fs/hubfs/T2%20CRA%20my%20Payment.jpg?height=200&name=T2%20CRA%20my%20Payment.jpg)](https://toroaccounting.ca/blog/how-to-make-a-t2-corporate-tax-payment-using-the-cras-my-payment-service?hsLang=en) [Tax](https://toroaccounting.ca/blog/tag/tax), [Corporation](https://toroaccounting.ca/blog/tag/corporation), [CRA](https://toroaccounting.ca/blog/tag/cra) ## [How to Make a T2 Corporate Tax Payment Using the CRA’s My Payment Service](https://toroaccounting.ca/blog/how-to-make-a-t2-corporate-tax-payment-using-the-cras-my-payment-service?hsLang=en) [Camilo Toro](https://toroaccounting.ca/blog/author/camilo-toro) Nov 23, 2025, 5:23:18 PM Corporations in Canada must pay their corporate income tax (T2) by the required deadlines to avoid... 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[Read more](https://toroaccounting.ca/blog/canada-child-benefit-ccb?hsLang=en) [![](https://toroaccounting.ca/hs-fs/hubfs/image-png-Oct-19-2024-01-24-34-4320-AM.png?height=200&name=image-png-Oct-19-2024-01-24-34-4320-AM.png)](https://toroaccounting.ca/blog/an-overview-of-the-gst/hst-credit?hsLang=en) [HST-GST Credit](https://toroaccounting.ca/blog/tag/hst-gst-credit), [Canada Carbon Rebate](https://toroaccounting.ca/blog/tag/canada-carbon-rebate) ## [An Overview of the GST/HST credit](https://toroaccounting.ca/blog/an-overview-of-the-gst/hst-credit?hsLang=en) [Camilo Toro](https://toroaccounting.ca/blog/author/camilo-toro) Oct 18, 2024, 9:26:05 PM The goods and services tax/harmonized sales tax (GST/HST) credit is a tax-free quarterly payment... 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