Pay by pre-authorized debit

Pre-authorized debit (PAD) is a secure, online self-service payment option for individuals and businesses to pay their taxes. You set the payment amount and authorize the Canada Revenue Agency (CRA) to withdraw it from your Canadian chequing account on the date, or dates, you choose.

Your selected payment date must be at least five business days from the date your PAD agreement is created. See federal holidays for a list of non-business days.

If you are a business, you can use pre-authorized debit through GST/HST NETFILE to pay a previous amount owing.

A PAD agreement can only be done online and not over the phone.

Create a pre-authorized debit using EFILE

  • You can authorize your electronic filer to set up a pre-authorized debit (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 cannot be used for instalments or T2 returns.
  • You’ll have to fill out and sign Part G of Form T183, Information Return for Electronic Filing of an Individual's Income Tax and Benefit Return, 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. Go to EFILE certified software for a complete list of the software.
  • When the CRA receives the transmission, it sends the filer a confirmation number that the filer must keep in their records.

The PAD option in EFILE accepts payments from the start of the individual tax filing season until December 31 of each calendar year.

How to create a pre-authorized debit agreement for individuals

To create a PAD, you have to be registered for My Account.

If you are not a registered My Account user, follow the steps below.

  • Click on "CRA register" or "Continue to Sign-In Partner Login / Register" and follow the steps.
  • You will then have limited access to My Account, which will allow you to create a PAD right away by selecting the "Pay by pre-authorized debit” link on the left side bar.
  • The CRA will send you your official access code by mail.
  • Once you enter the access code into My Account you will have full access, which allows you to view, modify, cancel or skip a payment.

How to create a pre-authorized debit agreement for businesses

To create a PAD you have to be registered for My Business Account.

If you are not a registered My Business Account user, follow the steps below.

  • Click on "CRA register" or "Continue to Sign-In Partner Login / Register" and follow the steps.
  • The CRA will send you your official access code by mail.
  • Once you enter the access code into My Business Account you will have full access, which allows you to view, create, modify, cancel or skip a payment.

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