Pre-Authorized Debit (Canada)
国家/地区: 加拿大 (CA) | 底层清算轨道: direct_debit
DirectDebit
市场普及率: 65%
Pre-Authorized Debit (PAD) 是加拿大电子资金转账（EFT）体系下的标准银行账户预授权自动代扣服务，在加拿大 SaaS 软件订阅、房贷车贷与公共事业续费中占据主导地位，以定期自动扣款、覆盖全加金融机构及极低收单成本为优势，广泛用于 SaaS 定期订阅、健身房月费、电信托收及 B2B 周期性结算。
🔄 用户付款交互流 (User Flow)
- Customer completes online PAD agreement with bank account routing number
- Merchant submits debit request prior to billing due date
- Canadian clearing bank debits account within 1-3 business days
- Merchant receives settlement confirmation
⚙️ 支付与结算特征
| 即时清算 | NO |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- 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
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen