A Requirement to Pay (RTP) is a CRA collections tool that directs a third party who owes money to a tax debtor to remit those funds to the CRA instead. Issued to a customer of a business, a trade RTP can capture up to 100% of the receivable; issued to a bank branch, it freezes the account and forwards the balance to the agency.
A wage garnishment is technically an RTP sent to an employer, generally limited to between 30% and 50% so the taxpayer can still meet basic living costs, whereas trade RTPs are not capped in the same way. RTPs can frequently be reduced or lifted through negotiation, usually in exchange for a regular voluntary payment arrangement.