Own Tax Season. Capture Loyalty. Unlock Data.
Bring Canada’s first CRA-certified embedded tax filing platform directly into your ecosystem — boosting deposits, retention, and customer stickiness while giving you verified tax insights.
Every year, millions of Canadians leave their financial institutions to file taxes elsewhere.
They log into third-party apps like Wealthsimple Tax, TurboTax, and H&R Block to file their returns, often taking their refunds and other opportunities with them. For you, this means:
Embedded tax filing changes this. By integrating CloudTax directly into your platform, you keep tax season — and your customers — inside your ecosystem.
Embedded, CRA-Certified Tax Filing
CloudTax is Canada's first CRA-certified embedded personal tax filing platform. Designed for digital banks, credit unions, fintechs, and wealth platforms, it enables your customers to file their taxes seamlessly without leaving your brand environment.
Affiliate / Referral
Keep customers in your ecosystem with referral-based filing links.
- Zero integration effort
- Branded landing page with your logo and
link tracking - Engage users without redirecting them to
competitors - Insights available post-filing
Co-Branded (Low-Code)
Launch a CloudTax-hosted experience that feels like your brand.
- Live in 3 – 5 days
- Optional SSO/Auth API for login bypass
- Hosted on your subdomain (e.g.,yourbrand.cloudtax.ca)
- Shared user insights and refund data
Fully Embedded API
Integrate CloudTax's CRA-certified filing engine directly into your app.
- REST API & SDK support
- Complete control over UI/UX
- 5 - 10 day implementation
- Full data access and compliance (SOC 2,
CRA-certified)
A clear path from setup to CRA submission. No hidden steps.
Choose your experience
Pick the launch path that fits your bandwidth today (upgrade later when you want).
We build it.
We set up your branded landing page, payment flow, customer service scripts, and CRA-certified experience.
You go live.
In as little as 3–5 business days, your customers can file their taxes with confidence — all under your brand. You gain:
Use Cases Across Canada
Credit unions
Deliver a full-service member experience. Integrate tax filing tostrengthen trust, increase wallet share, and reinforce your position asthe community’s most trusted financial partner.
Fintechs
Differentiate your platform with an embedded, CRA-certified tax flow. Lower CAC, boost engagement, and drive lifetime value through personalized, data-driven insights.
Wealth platforms
Connect investment portfolios to real financial outcomes. Link refunds directly to deposits, contributions, or portfolio reinvestments to grow AUM and improve client stickiness.
Banks
Keep customers engaged during tax season — when financial intent is highest. Capture refund deposits, deepen relationships, and turn tax season into a retention event.
Gig platforms
Support independent workers with built-in tax filing. Simplify self-employment returns, automate deductions, and help users maximize
refunds — all under your brand.
When you embed CloudTax, you’re not just offering a tax tool — you’re capturing measurable outcomes that align directly with your KPIs.
Deposit Growth
Turn tax refunds into deposits. Encourage customers to direct their refunds into your accounts, transforming tax season into deposit season.
Retention & Loyalty
Keep customers from leaving your ecosystem. When users file taxes within your app, they stay connected to your brand — not a competitor’s.
Higher NPS & Stickiness
Simplify one of the year’s most stressful moments. When customers complete taxes where they already bank, satisfaction and trust increase dramatically.
Cross-Sell Opportunities
Use verified tax data to personalize offers. Identify the right moments to recommend RRSPs, TFSAs, mortgages, or insurance — when it matters most.
Reduced CAC
Acquire new customers for less. Offering a free or low-cost DIY filing experience draws new users into your funnel — and converts them into loyal, long-term clients.
Accurate, Trusted, and Real-Time Business Insights
Traditional KYC data is often stale. Tax data is different: it’s verified by the CRA, updated annually, and reflects life events with accuracy. With user consent, CloudTax shares back valuable tax insights that power smarter decisions:
Updated KYC: Know your customers — for real. Instantly reflect changes in spouse status, dependents, employment, and address for stronger compliance and precision targeting.
Income verification: Verify income across every source. Access CRA-verified data for salaries, self-employment, and investments — without the friction of manual uploads or pay stubs.
Financial journey: Understand each customer’s story. See where they work, how they earn, and what deductions shape their financial profile.
Life events: Detect life moments that matter. Identify new jobs, dependents, relocations, or retirements — and trigger personalized product experiences automatically.
This means:
We understand how conservative Canadian institutions must be. That’s why compliance and security are at the heart of CloudTax.
CloudTax is engineered for risk-aware teams. We operate in Azure Canada Central, align with PIPEDA, follow FINTRAC PCMLTFA requirements, and maintain CRA developer obligations. To ensure business continuity, we store encrypted backups in GCP (Canada region) for secure data recovery. You keep your brand and your client relationship — we protect the data and the filing pipeline.
CRA-Certified NETFILE/ EFILE software.
SOC 2 Compliance certified
Azure Canada Central data residency.
PIPEDA alignment for privacy and consent
What if they need help? Your clients can sit back and relax while our experts take care of taxes from start to finish.
“I am incredibly happy with the professional staff, excellent response time and very easy to book appointment slots. Excellent service and would highly recommend them! Easy to use service with checklists lists and questions answered within minutes!“
Book a free discovery call and we’ll walk you through it.
We know banks and fintechs need flexibility and speed. CloudTax is designed to integrate with minimal lift.
Go Live Fast
Launch in as little as 5-10 days with guided onboarding.
Flexible Integration
Choose white-label (hosted by us) or a co-branded subdomain.
Smart APIs
Securely pre-fill tax forms using your existing user data (optional).
Seamless Experience
A easy to use mobile-friendly tax application for your customers.
Embedded tax filing is already working for some of the most recognized U.S. financial brands
Neobanks like MoneyLion keep members engaged with free, in-app tax filing and direct deposit capture.
Digital banks like Chime keep members engaged with free, in-app tax filing and direct deposit capture.
Payroll platforms like Dayforce (Ceridian) embed tax filing as part of workplace financial services
Fintechs like Propel help households unlock refunds faster, improving financial wellness.
Wealth platforms like Carry simplify complex returns for professionals with equity and investments.
Flexible Pricing, Partner-Aligned
Choose the model that fits your growth strategy. Each path keeps upfront risk low and ties success to outcomes.
Start Fast
Best for digital banks & credit unions testing adoption
- No big upfront fee — align on % of premium upgrades or filings.
- Ideal for proving value quickly without budget hurdles.
- CAC savings = every 1,000 new accounts ≈ $350K in avoided acquisition costs.
Scale Smart
Best for partners with predictable volumes
- Buy discounted filing credits in advance (DIY, Review & File, Done-For-You).
- Control cost per return, unlock margin as adoption grows.
- Every 20K refunds redirected = $45.9M deposits, ~ $688K NIM.
Go Deep
Best for scale-ups investing in LTV & personalization
- Predictable monthly/annual fee for platform + API access.
- Unlocks tax insights (with consent) - income bands, dependents, refund/owing.
- Even a 5% LTV uplift across your base = millions in future value.
Frequently asked tax questions
A white label tax filing solution lets you offer a fully branded tax experience inside your own platform without building tax software from scratch. With CloudTax, your customers see your brand, while our CRA-certified technology powers the filing behind the scenes. This means you can deliver a seamless, trusted tax service that feels like a natural extension of your ecosystem.
CloudTax is Canada’s first and only CRA-certified embedded tax filing platform, designed to help digital platforms retain customers, boost loyalty, and unlock powerful tax insights. Unlike other providers that only offer coupon codes or referral links, CloudTax gives you a true embedded experience — under your brand — with verified tax data that you can use to cross-sell, increase deposits, and better understand your customers’ needs.
CloudTax API connects directly into your app, website, or platform, enabling users to file their Canadian personal taxes under your brand. The API handles everything — from identity verification and CRA NETFILE submission to generating tax slips and refund updates. You control the experience, while CloudTax manages compliance, infrastructure, and CRA certification.
Getting started is simple. Book a call with our team, and we’ll walk you through your integration options — whether you want CloudTax to host a co-branded solution or embed our API directly into your platform. Developers can also explore our API documentation to see technical details. Most partners can launch in days, not months.
Currently, CloudTax does not support Quebec provincial tax filings. We support all other provinces and territories across Canada.
Integration timelines vary by scope, but most partners launch in 4–8 weeks. CloudTax offers flexible options — from hosted co-branded solutions that are nearly turnkey, to full API integrations with deeper customization. Our team provides technical guidance and support to ensure a smooth rollout.
CloudTax is built for all Canadians, including first-time filers. Our intuitive experience guides users step by step, pre-fills available data, and ensures accuracy before submission to the CRA. By embedding CloudTax, you make tax filing accessible and stress-free for customers at every stage of their financial journey.
Every CloudTax integration includes access to tax expert support via email and chat, ensuring customers never feel stuck. Premium options include one-on-one consultations or full-service filing. For partners, CloudTax provides dedicated onboarding, API support, and ongoing compliance updates so your team is always covered.
Yes. CloudTax is hosted in Azure Canada Central, with strict data protection policies in place. We are pursuing SOC 2 certification and already comply with CRA developer requirements, PIPEDA, FINTRAC obligations, and industry best practices. Customer data is encrypted in transit and at rest, and we never share it without user permission. Your brand remains the owner of the client relationship and their data.
If you couldn't find your answer in our FAQ, don't worry, Just ask us.
Own Tax Season. Own the Relationship.
Stop losing customers to competitors at the most important financial moment of the year. With CloudTax, you capture deposits, loyalty, and verified insights — while giving your customers a seamless tax filing experience inside your brand.
