Payment for services.

[luvyeah]

Yeah, I don't think it's possible to reverse an eTransfer (like the FAQ you posted indicates).

I think the risk Kay is talking about is the bank invoking a morality clause and completely closing a SW's account after discovering their job. But I think that can happen regardless of whether eTransfers are coming in from clients; banks don't have to prove anything, and they can flag any transaction as suspicious, even if it was a SW depositing Christmas cash from their grandma.

I don't buy the morality clause, because in Canada sex work is decriminalized unlike in the United States where prostitution is illegal and it is commonplace for authorities go after them to the full extent of the law.
The government is also perfectly fine with taking their cut through taxation, yet there is uncertainty about legitimacy of their business.

https://www.justice.gc.ca/eng/rp-pr/other-autre/c36faq/

Q3. Can a person sell sexual services?
A3. The new prostitution laws do not criminalize the sale of sexual services. They also protect those who sell their own sexual services from criminal liability for any part they may play in the prostitution offences that prohibit purchasing sexual services, advertising those services, receiving a material benefit from the prostitution of others or procuring others for the purpose of prostitution.

This means that the new laws do not prevent sellers from taking certain safety measures, should they continue to sell sexual services. These safety measures include selling sexual services, whether independently or cooperatively, from fixed indoor locations, hiring legitimate bodyguards who do not engage in exploitative behaviour and negotiating safer conditions for the sale of sexual services in public places that are not near school grounds, playgrounds or day care centres. Communicating for the purposes of selling sexual services in public places that are or are next to school grounds, playgrounds or day care centres is a criminal offence with a maximum penalty of 6 months imprisonment.

However, purchasers of sexual services are always criminalized for their role in the prostitution transaction. The new prostitution laws are intended to reduce both the purchase and the sale of sexual services.

It becomes very confusing though, because apparently you can sell sexual services but aren't allowed to advertise???

When are these fucked up laws going to be fixed or at least more clearly defined.
I really don't get it.

I'd love to see official correspondence from a bank to an escort stating a reversal of a transaction and seizure of a bank account, before I'll believe the "oh this happens all the time to SP in Canada".
Because it would be very easy to provide evidence that, yes here is the phone call or text message of this client contacting my business at this certain time and shortly after someone magically hacked his account and sent it to the provider the exact amount that was agreed upon. It just wouldn't add up.

 

[gibarian]

This from an RBC client agreement:

Use of Account

You acknowledge that you are not carrying on or associated with activities that are improper, illegal or unlawful or that you are connected with a business that we may determine, in our sole discretion, is a restricted business. You acknowledge that the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and Regulations, as they may be amended from time to time, apply to the operation of your Accounts and that we will, from time to time, adopt policies and procedures to address the reporting, client identification and recordkeeping requirements of this legislation.

You agree to abide by and comply with all such policies and procedures, as applicable, and recognize that such policies and procedures may be more rigorous than the statutory or regulatory requirements. You agree that the Account is not to be used by, or on behalf of, a third party or parties without our prior written permission.

Illegality isn't necessary for the company to take punitive action. If you sign the agreement you're subject to their arbitrary determination of what may be "improper."