Pay by scheduled pre-authorized debit (PAD) through the CRA online services – Payments to the CRA
You can schedule one or more future payment(s) from your chequing account through CRA's secure online services by creating pre-authorized debits (PAD).
Many banks or credit unions also let you set up future payments.
On this page
What you can and can't pay
Payments you can make online through pre-authorized debit
- Individuals
- Income tax (T1) 2024 tax return
- Income tax (T1) amount owing
- Income tax (T1) instalment payments
- Benefits and credit repayments:
- Alberta credits
- Canada Carbon Rebate (CCR)
- Canada Dental Benefit
- COVID-19 benefits (CERB, CESB, CRB, etc.)
- GST/HST credit (GSTC)
- One-time top-up to the Canada Housing Benefit
- Ontario credits
- Universal Child Care Benefit (UCCB)
- Part XIII non-resident withholding tax
- Section 216 tax return (T1159)
- Tax-free savings account (TFSA) amount owing
- Underused Housing Tax (UHT)
- Businesses
- Corporation income tax (T2)
- Corporation income tax (T2) interim (instalment) payments
- Air Travellers Security Charge (ATSC)
- COVID-19 business subsidies (wage or hiring subsidy, rent subsidy) repayment
- Excise duties
- Excise tax
- Excise tax on insurance premiums
- Fuel charge
- GST/HST remittances
- Luxury tax
- Nova Scotia Workers' Compensation Board payments
- Part XIII non-resident withholding tax
- Partnerships, information returns penalty, or Tax on the repurchases of equity
- Payroll source deductions
- Underused Housing Tax (UHT)
- Workplace Safety and Insurance Board (Ontario) payments
- Trusts
- Trust income tax (T3)
Payments you cannot make online through pre-authorized debit
- Individuals
- Advanced Canada Workers Benefit repayment
- Canada Carbon Rebate (CCR) repayment
- Climate Action Incentive (CAI) repayment
- Nunavut Carbon Credit repayment
- Businesses
- Partnerships, information returns penalty, or Tax on the repurchases of equity
- Garnishment on behalf of an employee
- Charities
- Charity re-registration or penalty payment
If you can't use this method or want to pay in another way, find options for your situation by answering a few questions about what you are paying.
How to pay the amount you owe
Pre-authorized debit (PAD) is a secure, online self-service payment option for individuals and businesses to pay their taxes and other amounts due. You set the payment amount, the date(s), and specify the banking information to use.
You will be prompted to review the payment agreement details and confirm that you have read and accept the Terms and conditions of use for a CRA account below.
Terms and conditions of use for a CRA account
You understand and agree that the payment authorization is provided as a convenience to you and that set-up or cancellation of the authorization shall not cancel or have any other effect on the underlying obligation that you have under the Income Tax Act or any other Act of Parliament.
You agree to participate in this PAD agreement for personal PAD purposes.
You authorize the Canada Revenue Agency to automatically withdraw funds from your bank account for payment of your tax obligation in accordance with the amount and time intervals that you provided and as noted in this letter. The authorization will remain in effect unless it is cancelled or expires. You may cancel the authorization at any time online up to 5 business days prior to the next withdrawal date. The Canada Revenue Agency may also cancel this agreement if a payment is dishonoured by your financial institution for any reason.
You certify that the financial institution information provided is accurate. You agree to update your agreement information in a timely manner. You acknowledge that your financial institution is not required to verify any information contained in your authorization.
You guarantee that you have full authority for completing a PAD from the bank account provided.
You consent to the disclosure of any information to the financial institution that is contained in the authorization to process the payments as directed by you.
A completed PAD authorization to the Canada Revenue Agency becomes a completed authorization to the financial institution you have indicated.
You waive your right to receive pre-notification of the amount of the PAD and agree that you do not require advance notice of the amount before the payment is processed.
Note: Non-compliance with the Terms and conditions of use for a CRA account may lead to further service restrictions within your CRA account.
In CRA online secure services
Your selected first payment date must be at least 5 business days from the date you create your PAD agreement. See public holidays for a list of non-business days.
Create a pre-authorized debit (PAD) agreement in My Account or My Business Account
- Sign in to your account
- Select "Proceed to pay"
- Choose "Schedule a series of payments"
- Fill in the fields to set up your PAD agreement
- Review the details and click ‘Submit’
- A confirmation page will display (save and print option is available)
- CRA will also generate a Pre-authorized debit agreement confirmation letter
Note
- If your correspondence preferences are set to “Electronic mail” in My Account, you will receive an email notification and will be able to view your confirmation letter the next business day. If you do not sign up to receive electronic mail from the CRA, you will receive the confirmation letter by mail in 7 to 10 business days. For more information, go to Email notifications from the CRA – Individuals.
- In My Business Account, CRA transitioned to online mail as the default method of delivering most business correspondence. As a result, you will automatically receive your confirmation letter electronically the next business day. For more information, go to Online mail for business.
Pay on behalf of someone else
Only legal representatives for individuals can schedule payments in Represent a Client.
Business representatives are not able schedule pre-authorized debits for businesses they represent.
Create a pre-authorized debit agreement in GST/HST Netfile
Businesses can also use pre-authorized debit through GST/HST Netfile to pay a balance due.
Create a pre-authorized debit agreement using EFILE
- You can authorize your electronic filer to set up a PAD agreement on your behalf to make a one-time payment. When these agreements are set up by an electronic filer, they are for the current tax year only and can't be used for instalments or T2 returns.
- You will have to fill out and sign Part C of Form T185, Electronic Filing of a Pre-authorized Debit Agreement, to authorize your electronic filer to send a PAD agreement on your behalf. Both you and your electronic filer have to keep a copy of the signed form.
- The electronic filer uses certified EFILE software to send the PAD information to the CRA through a secure web service. Upon successful transmission, a confirmation number will be received within the software. Go to EFILE certified software for a complete list of software.
Manage your pre-authorized debit (PAD)
You can view existing or inactive PAD agreements at any time.
If you need to modify, cancel or skip active PAD agreements, you must do so at least 5 business days before the scheduled payment date.
In My Account (individuals)
- Go to the "Accounts and payments" section
- Select "Manage pre-authorized debit"
- Make the necessary changes and click ‘Submit’
- A confirmation page will display (save and print option available)
- CRA will also generate a Pre-authorized debit agreement confirmation letter
Note
If your correspondence preferences are set to “Electronic mail” in My Account, you will receive an email notification and will be able to view your confirmation letter the next business day. If you do not sign up to receive electronic mail from the CRA, you will receive the confirmation letter by mail in 7 to 10 business days. For more information, go to Email notifications from the CRA – Individuals.
In My Business Account (businesses)
- Go to the "Business Overview" page
- Under the "Business balance and services" section, select "Manage pre-authorized debit"
- Make the necessary changes and click ‘Submit’
- A confirmation page will display (save and print option available)
- CRA will also generate a Pre-authorized debit agreement confirmation letter
Note
In My Business Account, CRA transitioned to online mail as the default method of delivering most business correspondence. As a result, you will automatically receive your confirmation letter electronically the next business day. For more information, go to Online mail for business.
Processing time
Your selected first payment date must be at least 5 business days from the date you create your PAD agreement.
- Considered as paid: the same day as the payment is withdrawn but payments made after 6:00 pm, Eastern time, during the weekend, or on a statutory holiday will be processed the next business day.
- Updated in your CRA account up to 2 business days after the payment is received
Confirm a PAD payment you made
You can confirm if we received a payment.
If you are reviewing your bank or credit union account transactions, descriptions of PAD payments can vary. Typical codes for PAD payments made to the CRA may include one or a combination of the following:
- CRA TXD
- CANADA TXD
- CRA TXD/DIM
If your payment is still not showing after 5 business days, you can resolve a payment issue.
Pre-authorized payments through your bank or credit union
To make future-dated payments directly through your bank or credit union, contact your financial institution or pay by online banking.
Note: The CRA will not issue a confirmation letter if you schedule pre-authorized payments directly through your bank or credit union.
Discuss a payment arrangement
If you need to discuss a balance you can't pay in full or on time, or want to set up an arrangement to pay your debt over the phone, you can call us to make a payment arrangement.
Note: Setting up a payment arrangement by phone with a CRA agent or through the automated Tele Arrangement service does not start your payments. To start your payment arrangement, set up a PAD agreement or select a payment method that works for you and make your first payment towards your debt.
For options on how to make your payments, go to Make a payment.