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Pre-authorized Debits (PADs)Canada

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Pre-authorized Debits (PADs).

Pre-authorized debits — a popular direct debit payment method in Canada.

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Definition

What are Pre-authorized Debits (PADs)?

Pre-authorized Debits (PADs) are a direct-debit scheme that pulls funds from a customer's bank on a schedule — perfect for subscriptions and retainers.

Pre-authorized Debits (PADs) are a bank debit method used in Canada. Your customer signs a mandate once — usually inside a hosted checkout from your payment link — and from that moment you can pull funds on a recurring schedule automatically. Pre-authorized debits — a popular direct debit payment method in Canada.

With PayRequest, Pre-authorized Debits (PADs) mandates are captured by sharing a payment link. Subsequent charges run automatically, and PayRequest's dunning automation retries failed pulls with smart timing and customer-friendly emails — keeping involuntary churn low for your subscriptions.

Pre-authorized Debits (PADs) is one of the cheapest ways to bill recurring customers — typically a few cents per pull or under 1%, far below card processing rates. PayRequest charges 0% on top.

Why Pre-authorized Debits (PADs)

Everything you need. Nothing extra.

Recurring on autopilot
Customer signs a mandate once. After that you collect on schedule, automatically.
Lowest cost for subs
A few cents per pull — far cheaper than card networks for monthly billing.
Lower involuntary churn
Bank debits don't expire like cards. Subscriptions keep collecting reliably.
Built for retainers
Agencies, hosting, SaaS, memberships, gym — anywhere recurring billing matters.
Failed-payment retries
Auto-retry pulls when they fail, with smart timing built in.
Mandate-protected
Customers control the mandate — refundable on demand under banking law.
Pre-authorized Debits (PADs) payment link

One link. Pre-authorized Debits (PADs) ready.

  • Set up Pre-authorized Debits (PADs) once for recurring invoices and subscriptions — collects forever
  • Combine with PayRequest's dunning to recover failed pulls automatically
  • Best for high-volume monthly billing — agencies, hosting, SaaS, memberships
  • Customer mandates handled inside PayRequest — no paper-shuffling
  • Pair with your existing one-off payment links for the full billing stack
Start free
3 steps
01
Create your link
Set the amount, add a description, choose Pre-authorized Debits (PADs) as a payment method.
02
Share anywhere
WhatsApp, email, SMS, QR — copy the link, paste anywhere.
03
Get paid
Customer taps the link, pays with Pre-authorized Debits (PADs), money lands in your account.
FAQ

Pre-authorized Debits (PADs) payment links

How does a Pre-authorized Debits (PADs) payment link work?
Create a link. Your customer signs a Pre-authorized Debits (PADs) mandate once — entering their bank details and confirming. After that, you pull funds on a schedule automatically.
What does Pre-authorized Debits (PADs) cost?
Pre-authorized Debits (PADs) is one of the cheapest recurring methods — typically a few cents per pull or under 1%. PayRequest charges 0% on top.
How long does Pre-authorized Debits (PADs) take to settle?
Pre-authorized Debits (PADs) pulls usually settle within 2–5 business days. Failed pulls trigger automatic retries with smart timing.
Can Pre-authorized Debits (PADs) be used for one-off payments?
Yes — PayRequest can use Pre-authorized Debits (PADs) for one-time invoices as well as recurring subscriptions. The mandate flow is the same.
What if a Pre-authorized Debits (PADs) pull fails?
PayRequest's dunning automation retries failed pulls at the right intervals and emails the customer. You get notified once retries are exhausted.

Send a Pre-authorized Debits (PADs) link in 60 seconds

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