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Pre-Authorized Debit (Canada)

Country: Canada (CA)  |  Payment Rail: direct_debit

DirectDebit Market Adoption: 65%

Pre-Authorized Debit (PAD) is Payments Canada's official bank account direct debit scheme for recurring subscriptions and automated billing.

🔄 User Payment Flow

  1. Customer completes online PAD agreement with bank account routing number
  2. Merchant submits debit request prior to billing due date
  3. Canadian clearing bank debits account within 1-3 business days
  4. Merchant receives settlement confirmation

⚙️ Characteristics & Settlement

Instant PaymentNO
Supports QRNO
Supports RecurringYES
Supports RefundYES

🛠️ Merchant Integration Steps

  • Merchant API registers electronic PAD mandate via PSP (Stripe/Adyen)
  • PSP submits EFT clearing file to Payments Canada network
  • PSP receives clearing status and confirms recurring payment

🚀 Supported Payment Gateways & Acquirers (PSPs)

🔌 Stripe🔌 Adyen