How Do I Enable Pre-Authorized Debit on My Invoices? (CAD)

PAD Payments (also known as Pre-Authorized Debits (PAD)) is available through Stripe and allows businesses to debit Clients through bank-to-bank transfers in CAD currency with Recurring Payments.
PAD Payments is available to businesses that have Canada as the Country in Business settings and a Canadian bank account connected in Stripe. PAD Payments is available for Recurring Payments on Recurring Templates only.



Enable PAD Payments on Invoices

PAD Payments can be enabled on any Recurring Template where the currency is in CAD ($) with the below steps:
  1. If you have not yet set up Stripe, complete the steps to accept online payments with Stripe first
  2. When creating a Recurring Template, click on the Accept Online Payments option in the Settings panel
    Accept online payments under settings on invoice.
  3. Under Stripe, check off the box next to Accept Pre-Authorized Debit
    Checkbox checked off next to accept Pre-Authorized Debit.
  4. Choose between Business Debit (goods and services related to your business) or Personal Debit (goods and services for consumers)
  5. Click Done to finish and resume creating your Recurring Template as needed.

Client View

  1. Click on the Pre-Authorized Debit sub-tab
    Pre-authorized debit tab on payment form of invoice.
  2. Then click on the Pay $xx.xx button
  3. In the Stripe payment window, enter your Email and your Name, then click on the Pay $xx.xx button
    Email and name fields to fill out.
  4. Click on either:
    1. Agree to confirm linking your bank account with online login credentials
      Agree button to connect bank account.
      1. Choose your Bank
      2. Enter your Bank’s Username and Password, then click Continue
      3. Answer any security questions as needed
      4. Select the account to pay from, then click Continue
      5. Confirm your Direct Debit details then click Pay $xx.xx to finish
    2. Or click on Manually Verify below the Agree button to use micro-deposits instead
      Manually verify link below agree button.
      1. Enter the Institution Number
      2. Then enter the Transit NumberAccount Number and click Submit
      3. Review the micro-deposit details and click Confirm
      4. Then confirm your Direct Debit details and click Pay $xx.xx to finish
  5. An email will be sent confirming the terms of the Pre-Authorized Debit payment.


What’s the difference between Business Debit and Personal Debit?
There are two types of PAD Payment accounts, depending on who your Clients are:
  • Personal Debit - Used for goods or services provided to your Clients who are consumers
  • Business Debit - Used for goods or services related to your business, like payments between vendors, distributors/suppliers, dealers/manufacturers, commercial activity and more