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What is the difference between a Pre-Authorized Payment and a Pre-Authorized Debit?

A Pre-Authorized Payment (PAP) allows you to arrange automatic monthly payments from your TD Credit Card Account to pay a regularly recurring bill from a merchant.

A Pre-Authorized Debit (PAD) allows you to arrange automatic monthly payments to pay your TD Credit Card Account from your deposit account at any Canadian Financial Institution. Set up a PAD.

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