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What is the difference between a pre-authorized payment (PAP) and a pre-authorized debit (PAD)?
A pre-authorized payment (PAP) allows you to arrange automatic payments of a regularly recurring bill or purchase directly from your TD Credit Card or TD Access Card. A pre-authorized debit (PAD) allows you to arrange and authorize for automatic payments to be withdrawn directly from your TD personal deposit account (e.g. chequing account).
Please note that the answers to the questions are for information purposes only for the products discussed. Individual circumstances may vary. In case of discrepancy, the documentation prevails.