The Ontario gambling laws state that the maximum RTP percentage of 99.1% is the highest legal rate while the lowest legally permitted rate is 85%. These payouts are guaranteed by the law. Any online casino not reaching these numbers would be fined heavily. Offshore casinos cannot be trusted to offer such high payout levels. Even if they offer high RTP % you have no means of knowing whether their games actually deliver on that promise. If you have any doubts about the games in Ontario you can complain to the regulator, the Alcohol and Gaming Commission of Ontario.