Encourage customers to build up a savings account towards the minimum balance requirement over a year and then refund the swipe fees paid during the year when the balance requirement is met (preferably into the savings account).

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He files an annual Canadian income tax return to determine the refund due or balance owing.

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If you either owed the government a substantial balance or received a significant refund, you have some work to do on the tax segment of your cash flow management.

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