Introducing CloudTax API, Canada's first embedded personal tax filing platform certified by the CRA, specifically designed for financial institutions and digital banks. As the only NETFILE-certified tax filing engine that can be seamlessly embedded, CloudTax API allows our partners' clients to experience a tax-filing solution that aligns with the look and feel of their brand while we expertly handle all the behind-the-scenes operations.

With a swift and simple integration process, CloudTax API enables our partners to go live with their co-branded tax platform in just days rather than months, minimizing downtime and ensuring a smooth transition. Moreover, CloudTax’s tax insights empower our partners to offer accurate and personalized tax-saving products to their clients throughout the year.

CloudTax API streamlines the tax filing process by automatically importing user data from our partner's product, collecting the remaining information required for their tax return, and enabling clients to submit their taxes directly to the CRA. This seamless and intuitive experience ensures that tax filing is as efficient and stress-free as possible for our partners' clients.

This is an illustration that depicts a sample bank's mobile user flow for a "fully embedded" experience

CloudTax API provides two flexible models to suit your specific needs:

Low-Code Integrations [multi-tenant architecture]: Opt for a co-branded application where clients are directed to a platform that shares the look and feel of our partner's brand. With a profit-sharing model, this option can be up and running in as little as five to ten days, offering a quick and efficient solution for tax filing needs.
Fully Embedded [Multi-tenant or Self-Hosted]: Seamlessly integrate CloudTax API as a new line of business within existing web and mobile applications. This comprehensive integration can be completed in just 20-30 days, providing a fully embedded tax filing solution for our partners' clients.

Netfile Limitations

The list of exclusions for NETFILE may vary from year to year as the Canada Revenue Agency (CRA) updates the eligibility criteria. However, here are some common exclusions for NETFILE: See the full list here.

Bankruptcy filings: If you have filed for bankruptcy during the tax year, you may not be eligible to use NETFILE.
Deceased individuals: If you are filing a tax return on behalf of a deceased individual, you cannot use NETFILE. Instead, you will need to file a paper return.
Non-residents: If you are a non-resident of Canada for tax purposes, you cannot use NETFILE to file your tax return. Non-residents have different filing requirements and may need to file a different type of return.

In addition to these restrictions, CloudTax API does not support the following:

A return for any taxation year other than 2022, 2023 and 2024.
Province of Quebec
Form T2203, Provincial and Territorial Taxes - Multiple Jurisdictions
T1163 Statement A – AgriStability and AgriInvest Programs Information and Statement of Farming Activities for Individuals
Form T1273 Statement A – Harmonized AgriStability and AgriInvest Programs Information and Statement of Farming Activities for Individuals
T1255, Designation of a Property as a Principal Residence by the Legal Representative of a Deceased Individual
T1134, Information Return Relating to Controlled and Non-Controlled Foreign Affiliates