Pre-Authorized Debits are very secure due to the electronic protocol required by banks. All of the information is encrypted and sent through Canada’s federally-secured Automated Clearing Settlement System which means it can’t be redirected, read, or tampered with.

Pre-Authorized Debits are also regulated by the Electronic Funds Transfer Act, which details the rights and liabilities of Pre-Authorized Debits. Pre-authorized debits also have a very clear mandate to ensure any unauthorized debit can easily be reversed through the bank.

What are Pre-Authorized Debits (PADs)?

What are the advantages of Pre-Authorized Debits?

What kind of businesses are best suited to use authorized debits?

How do pre-authorized debits work?

Are pre-authorized debits secure?

How do I start accepting pre-authorized debits?

What is an authorization and why do I need it for pre-authorized debits?

How long do pre-authorized debits take?

What to know about pre-authorized debit rejections.