Pre-Authorized Debits

Many businesses prefer to offer their customers a pre-authorized payment option rather than costly credit cards or manual cheques.  Pre-authorized payments will improve cash flow and your ability to collect receivables.  With Telpay for Business, you can collect monthly recurring payments such as subscriptions, fees, dues or donations from your customers for as little as 15 cents per payment.  

Robust. Secure. Experienced.

  • Collect from any bank account in Canada.
  • Import from any system, securely stores bank account details.
  • Single/dual payment authorization.
  • Expert staff trained to help you get your PAD program started.


Our service is designed to serve the following types of organizations and payment collection needs:

  • Condo fees, property rentals
  • Government bodies with taxing authority, including municipalities, school boards, and government agencies
  • Professional Organizations and Clubs collecting fees/memberships: e.g. Accountants, Bookkeepers, Engineers, Chambers of Commerce, etc.
  • Insurance premiums, savings plans
  • Monthly Recurring Service Fees: e.g. Alarm Monitoring, Professional Services (accounting), IT Service Fees (SAS/HAS), Maintenance Fees, etc.  
  • Educational Institutions to collect tuition fees or registered daycare providers
  • Educational Institutions to collect service fees, lunch program fees, etc.
  • Donations to religious or charitable organizations registered as such with the Canada Revenue Agency
  • General membership – gym, recreational, club memberships



How does it work?

Sign Up Customers for PADs
To debit your customer's account, your business must have authorization from the account holder as per Payments Canada's Rule H1 requirements. Prepare and send your customer a PAD Agreement for their review, approval, and signature. After approval, you will need to send a confirmation of the terms of the PAD Agreement to your customer before the first debit.

Set Up Debit Info
Enter the banking details and amount of withdrawal for each customer you are debiting. Then identify your debit date and transmit information to Telpay.

Receive Funds
Telpay will retrieve payments and deposit them as a single lump sum into your bank account 4 business days after your debit date. Debits returned to Telpay for any reason will be charged back to your bank account upon receipt; service fee will apply.

Need Help? Let's Connect.

  • Call us at 1-800-665-0302 to determine if Pre-Authorized Debits is the solution for your business.
  • Complete Online Form and a representative will respond within 1 business day.

Ready to sign up? Getting started is easy.

To apply for Pre-Authorized Debits, a business must be subscribed to Telpay for Business payroll direct deposit or bill payment service.  Additional eligibility requirements apply.

Get Started