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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A Pre-Authorized Debit (PAD) allows you to arrange and authorize for automatic payments to be withdrawn directly from your TD personal deposit account (e.g. chequing account). 

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