I'm in Canada and need to pick some accounting software for myself, and also recommend it to others, from startups to small business / non profit groups.

Xero#

Xero is the software that I find most flexible to use. Multi-currency support starts at the $75CAD/month tier.

Quickbooks#

Quickbooks is widely adopted and recommended by small business accountants. But, I find it extremely frustrating to use. Multi-currency support is in the $65CAD/month tier.

Note: Quickbooks doesn't support a direct connection to Stripe

Wave#

Wave is inexpensive -- free if you manually import bank statements. The paid tier is $220CAD/year for automatic account imports and the ability to accept credit cards. It has very basic multi-currency support and it doesn't have supports for automatically pulling info from the accounts I need (Wise).

Wave Payroll is still my recommendation for easy to use payroll in Canada.

Personally, for my sole proprietorship, I ended up picking Xero again, and got it hooked up to Wise and Stripe and RBC quickly.

I did have to go look up how to set balances from the beginning of the year.

I use [[Wave]] with [[Z-Space]], including Payroll, and it does what we need, including recurring invoices with credit card payments.