HVAC Equipment — Pay Canadian Suppliers Faster, Cheaper
Import heating, ventilation, air conditioning, and refrigeration equipment. And your bank makes it worse — 3-day settlements, 2-4% hidden FX spreads, and zero visibility into what your payments actually cost.
We built payment infrastructure for hvac equipment businesses. 0.5% spreads. Same-day CAD settlement. Free container tracking.
Get a Quote for Your Next Canadian PaymentHVAC Equipment margins are too thin to donate 2-4% to your bank on every supplier payment.
Before we show you a single number, know this: we are regulated, audited, and transparent. Our pricing is published. Our client funds are segregated. These aren't marketing claims — they're regulatory requirements we meet daily.
These aren't marketing claims — they're regulatory requirements we meet daily.
Save £2,025 per £100k Payment
Typical savings for HVAC Equipment paying Canada suppliers
- ❌ 2-3 day settlement
- ❌ Hidden FX margins
- ❌ High correspondent bank fees
- ❌ Manual compliance checks
- ✓ Settles in seconds — 2.3 second average
- ✓ Transparent pricing
- ✓ Interac e-Transfer for Business available
- ✓ 0.14s automated compliance
At £200k-£2M monthly volume, save £24,300/year
What Challenges Do HVAC Equipment Businesses Face Paying Canada?
Industry Pain Points
- Seasonal demand patterns
- Refrigerant regulations
- Heavy equipment logistics
- Installation timing coordination
Country-Specific Considerations
- Bank of Canada and FINTRAC oversight
- GST/HST (5-15% depending on province) documentation
- Business Number (BN) required for tax purposes
- PIPEDA compliance for data privacy
How Do HVAC Equipment Businesses Typically Pay Canadian Suppliers?
Fast Settlement: Settles in seconds — 2.3 second average
Use Interac e-Transfer for Business for instant CAD settlement. Instant business payments up to CAD $25,000, email-based
Real-Time FX Exposure Tracking
Upload supplier invoices as PDFs. Our AI OCR extracts amounts and currencies. See exactly what waiting costs you in real-time. Lock rates for 15 seconds when you see a good rate.
0.14s Compliance Screening
Automated compliance checks for Canada regulations. Bank of Canada and FINTRAC oversight handled automatically.
How HVAC Equipment Businesses Typically Pay Canadian Suppliers
If you're importing in this sector, you're likely dealing with a mix of payment terms. Here's how they work — and why speed matters.
⏱ Payment Timing
Stock orders: T/T 30/70. Project orders: milestones. Spares: Net 30.
📄 Invoice Terms
30/70 T/T (stock), milestones (projects), Net 30 (spares and established accounts).
Highly seasonal: AC orders Mar-May, heating Sep-Nov. Stock buildup ahead of season. Emergency demand unpredictable.
📊 FX Risk Profile
MODERATE: CNY (volume), JPY (Daikin etc), EUR (premium). Seasonal ordering allows FX planning.
Authorized distributors for major brands (Daikin, Mitsubishi). China factories for value. Parts availability critical.
Common Documentation for HVAC Equipment
- F-gas Certificate
- Energy Label
- CE/UKCA Declaration
- Refrigerant Specification
- Installation Manual
Popular Canada Supplier Types for HVAC Equipment
Common Canada Suppliers
- Resource extraction equipment (Calgary, Edmonton)
- Auto parts manufacturers (Toronto, Windsor)
- Agricultural suppliers (Winnipeg, Regina)
- Aerospace components (Montreal, Winnipeg)
Payment Tips for Canada
- Canada = Natural resources leader, manufacturing hub (auto, aerospace)
- Interac e-Transfer fastest for payments under CAD $25k
- Strong US trade ties - many suppliers serve both markets
- Provincial tax variations - HST rates differ by region
Frequently Asked Questions: HVAC Equipment Payments to Canada
How do HVAC Equipment businesses pay suppliers in Canada?
HVAC Equipment businesses can pay Canada suppliers instantly using Unicorn Currencies. We offer a 0.5% FX spread with 2.3-second average settlement using local payment rails like Interac e-Transfer for Business. This is significantly faster and cheaper than traditional SWIFT transfers which take 2-3 days.
What banking details do I need for Canada HVAC Equipment suppliers?
To pay HVAC Equipment suppliers in Canada, you need the recipient's Institution + Transit (9-digit transit number and 3-digit institution number), account number, and beneficiary name. Our platform validates these details automatically to ensure successful payment delivery.
How much can HVAC Equipment businesses save on Canada payments?
HVAC Equipment businesses typically save 80% compared to traditional banks when paying Canada suppliers. On a £100k transaction, that's £2,025 in savings. With Unicorn Currencies, you pay just 0.5% FX spread + £5 per payment vs banks charging 2.5% spread + £30 fees.
Is container tracking available for HVAC Equipment shipments from Canada?
Yes, Unicorn Currencies offers FREE container tracking for HVAC Equipment shipments from Canada. You receive real-time visibility into your cargo, including demurrage alerts to help avoid costly port storage fees. This feature is included at no extra cost with your payment account.
What currencies do HVAC Equipment businesses typically use with Canada?
HVAC Equipment businesses typically convert GBP to CAD when paying Canada suppliers. Unicorn Currencies provides live exchange rates with a transparent 0.5% spread, and you can lock rates for 15 seconds when you see a favorable rate. Our AI-powered invoice OCR can automatically extract amounts and currencies from supplier invoices.
Ready to Pay Canada Suppliers 80% Cheaper?
Join HVAC Equipment businesses saving £2,025 per £100k payment with t+0 (2.3s avg within unicorn network).
Bank of Canada registered PSP | FINTRAC licensed MSB