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EFT Pre-Authorized Debit

Electronic Funds Transfer Pre-Authorized Debit, EFT PAD for short, is a popular payment method used in Canada as an alternative to credit and debit cards. A pre-authorized debit (PAD) involves a shopper giving a business permission to withdraw funds from their bank account. PADs are often used for recurring payments, such as monthly subscriptions, utility bills, or membership fees. One-off payments are supported too, but due to the risk of chargebacks, we do not recommend using PADs for one-off payments.

The payments are processed through the Automated Clearing Settlement System (ACSS), which is an electronic network provided by Payments Canada for processing financial transactions.

$0.13

+

C$0.40
Documentation
Pricing
Bank payment icon.

EFT PADs is a low cost alternative to cards

PADs transactions are the best option for recurring payments and subscriptions as shoppers pay directly from their bank accounts.

Features

Payment type
Direct debit
Currencies
Settlement currency
CAD
Processing currency
CAD
Other
Refunds
Partial refunds
Multiple partial refunds
Multiple partial captures
3D Secure
Chargebacks
Local entity required
Sales day payout
Settlement delay
2 days
Recurring

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