Oddball has summed it up neatly: in terms of transport stress to the fish, there is no difference! In fact, if you buy online from a breeder, the fish will suffer fewer transports and less stress than if you buy it from a shop. Remember the fish you see in the shop have usually been flown in from somewhere like Singapore, unpacked at a warehouse, then repacked for transport to the lfs, which may be at the other end of the country.
As for you not being at home, no reputable online seller will agree to deliver except at a time when you have promised to be at home. At least here in the uk, delivery is often done by courier.
Afraid I don't know anything about online fish shops in Canada. I've ordered fish online here in the uk, both from breeders and from an online shop. My next online order will probably be from a very reputable lfs in London: I reckon it's better for the fish to be sent down by courier than to travel down with me on the train!