So it looks like I'm going to have to move by Aug 31. I am looking for an apartment but the rents are much higher than where I've been living for 9 years. I need some help, going to need to rent a truck, etc. No pizzas for awhile. 😔
RTs appreciated. 💕
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Recurring monthly donations of any amount would be a massive help for me going forward. Thanks to everyone who's retweeted so far. 🥰
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You should set up GitHub Sponsors. It's focused on recurring donations with tiers although you can (and should) enable one-time donations and custom amounts. It uses USD but it'll happily deposit into a CAD account. I have it depositing into an RBC USD account to save on fees.
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I've looked at GitHub sponsors briefly, but some of the requirements seemed a bit hard to understand. Was it a huge hassle at all for you to setup (speaking as a Canadian)?
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They switched to using Stripe for payments and it deposits the money into your bank account every month without charging any fees.
You need to add a USD and/or CAD savings account to Stripe using Canadian branch information for the bank (not US). It works with RBC without setup.
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GitHub Sponsors only charges people in USD so people end up paying 2.5% or so conversion fees to their credit card company for other currencies.
If you only add a CAD account, you'll pay about the same amount for conversion from USD. You can add a Canadian USD account though.
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I got conflicting information from Stripe and RBC support and I was trying to use the RBC USD branch information which is what I use to withdraw USD from PayPal. Stripe needs the Canadian branch information and also note it only wants 7 digit number as the bank account number.
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I entered it with the 06222- prefix and they accepted that but it was causing payments to fail. I switched to trying US branch information (like PayPal) and that wasn't working. Ended up just needing to use Canadian branch (even for USD) and entering number the way they expect.
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They don't validate that you enter it in the right format because it's a US-centric company and they don't seem to understand how Canada works. It does work properly and painlessly if you enter the information the way they want, at least with RBC. Can't speak to other banks.
I'm using it to deposit directly into an RBC USD eSavings accounts and then I convert the money in huge batches via RBC Direct Investing to avoid paying them 2.5% fees for conversion. I need to get a USD credit card so I can spend USD directly. Some sites do charge Canadians USD.
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You can also just use it with a CAD account and pay the conversion fees. If you add both CAD and USD, it will use USD account since GitHub Sponsors only gives it USD. If GitHub ever started charging Canadians in CAD and passing it through Stripe would use both CAD + USD accounts.
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Yeah, not with RBC. All of that and the IRS forms they want to be filled out honestly just makes anxious. Perhaps someday, but for now I'll stick with PayPal.
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W8-BEN is easy to deal with as a Canadian because we have a tax treaty with the US allowing you to simply put 0% withholding tax with a standard reference to a tax treaty article. It's ridiculous you actually need to cite right part of the tax treaty but you can find it online.
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