Bank debits

Accept secure pre-authorized debits in Canada

Accept pre-authorized bank debits (also known as PADs or ACSS) from Canadian customers for large or recurring charges to minimize payment failure and lower transaction costs.

Reduce failed payments

Card payments are often declined because card details are lost, expired, or rejected. PADs on Stripe have a 98% payment success rate.

Lower transaction costs

By debiting your customer’s bank account directly, you can capture cost savings on transaction and dispute fees compared to cards.

Automate mandates and verification

Stripe handles end-to-end requirements for PADs, including mandate collection, notifications, and verification.

Maintain a single integration

PADs on Stripe come with built-in instant verification and can be added to any Stripe integration—including Billing and Connect.

How it works

Collect pre-authorized debits on your schedule

Bank debits allow you to pull funds directly from your customer’s bank account for one-time or recurring payments. To initiate a bank debit, a customer provides their bank account details during checkout and gives you permission to debit the account by agreeing to a mandate.

Built-in instant verification

Instead of manually entering bank account information and micro-deposit amounts, customers can input their online banking credentials to instantly verify their bank account.

List of bank accounts

Hosted mandate collection

Stripe makes it easy to collect mandates from customers for any type of billing schedule. Stripe automatically handles notifying customers about upcoming debits and completing debits so you are fully compliant.

List of bank accounts

Fully integrated

Get started fast on Stripe

Add pre-authorized debits to any type of Stripe integration to benefit from faster deployment and unified monitoring and reporting. There’s no application, onboarding, or underwriting process to get started.

For one-time or recurring billing

Stripe Invoicing, Billing, and Checkout make it even easier to collect bank debits for one-time or recurring payments. Hosted mandates reflect your payment terms, and debits are automatically initiated.

For platforms

Through Connect, platforms and marketplaces can easily enable PADs as a payment option with built-in instant verification, no work required by your merchants.

Ready to get started?

There’s no paperwork for eligible businesses to start accepting pre-authorized debits on Stripe. Stripe supports PADs for businesses based in Canada and the United States.

Know what you pay

Learn more about our transparent per-transaction pricing.

Accept other bank debits

Stripe supports bank debits around the world, including ACH Debit and SEPA Direct Debit.