Pre-authorized debit in Canada

Fees for PAD donations are 1% + 0.40 CAD, with a 5 CAD cap. An additional 1 CAD is added if instant verification (whereby the supporter logs into their online banking service to confirm the payment). There is a 5 CAD fee for failures and disputes.

Canadian pre-authorized debits may already be active in your Stripe account. To check, log in to Stripe and go to Settings > Payments > Payment methods > Default Your configuration. If Canadian pre-authorized debits appears as an active method, you can skip to Step 2 and Step 3 — no additional setup is required in Stripe.

If it’s not enabled yet, follow the steps below.

1. Log in to your Stripe account.
2. Click the gear Settings icon in the top-right corner.
3. Under Product settings, click Payments.
4. Go to the Payment methods tab.
5. Click the Default configuration labeled Your configuration.
6. Find Canadian pre-authorized debits and do one of the following:
   • If you see Turn on, click it. If prompted, select Turn on anyway.
   • If you see a Request access button, click it and follow the instructions.

If your Fundraise Up account is connected to a Canadian or US Stripe account, the Payment Methods screen will provide options for you to enable PAD. You can enable PAD in Fundraise Up by following these steps:

1. In your Fundraise Up Dashboard, go to Settings.
2. Click Payment methods in the left hand menu.
3. Click on PAD (CA Direct Debit).
4. Click the Enable PAD.

Stripe has a series of emails to assist with account verification and payment confirmation, which are unnecessary if you're using our PAD solution as we allow you to customize versions of those emails from Fundraise Up. If you don’t disable the Stripe PAD email set, supporters will receive two sets of emails that will contain differing content.

1. Go to your Stripe dashboard.
2. Click the gear icon in the top-right corner of the screen and click Settings.
3. Scroll down to Business settings and, in the Your business block, click Emails.
4. In the Customer emails section, toggle off Send Canada PAD mandate, debit initiation, and micro deposit verification emails.

When a supporter gets to the Payment Options screen in your Checkout modal or Campaign Page, as long as their donation is $2 CAD or more, they'll be see a Bank transfer button.

If they click Bank transfer and their donation is in CAD (or no other ACH options are enabled), they'll be taken to the PAD connection screen with two options for how they can pay for their donation with a bank account:

• by clicking Agree and logging into their bank.
• or by clicking Manually verify, providing their account details, and then verifying their bank account using microdesposits.

If the supporter chooses to log into their bank, they'll be able to pay by authorizing their transaction immediately, which will save a significant amount of time.

If the supporter chooses to provide their account number and use micro-deposit verification, they'll be emailed each of the Bank Verification email templates (if set to Send) that include instructions and a button to verify their transaction, once the micro-deposits land in their account in the next 5 business days.

When making donations using the Virtual Terminal, PAD is available as a payment option. The key restriction to keep in mind is that, as the supporter cannot provide you with their bank login details, the only verification method available is micro-deposits.

As such, you can enter the supporter’s bank account details when entering a donation for them, and they will be sent the appropriate bank verification email templates, provided those emails are enabled.

Every PAD donation sends a Bank Mandate email first, regardless of verification method. This is a Payments Canada regulatory requirement. The email confirms the mandate and includes the supporter's payment details along with legal text outlining their rights as a PAD payer. It cannot be disabled.

Which emails a supporter receives beyond the Bank Mandate email, depends on how they verified their bank account.

• If they logged into their bank:
  1. Donation in progress — confirms the donation was received and is being processed.
  2. Receipt — sent once the donation clears, up to 7 business days later.
• If they verified manually with micro-deposits — either through checkout, or through the Virtual Terminal where manual verification is the only available option:
  1. PAD Bank Verification — sent immediately after the supporter submits their bank details. Stripe sends two small test deposits to their account, and the supporter must confirm the amounts to verify ownership.
  2. PAD Bank Verification Instructions — sent two days later if they haven't verified yet.
  3. PAD Bank Verification Reminder — sent every four days after that until verification completes or the donation fails.
  4. Donation in progress — sent once the bank account is verified.
  5. Receipt — sent once the donation clears, up to 7 business days later.

Of these emails, only the Bank Mandate, Donation in progress, and Receipt emails can be customized — from the Emails section of your Dashboard settings. All other emails are sent automatically and cannot be edited.