{"id":5403,"date":"2019-05-16T10:24:10","date_gmt":"2019-05-16T14:24:10","guid":{"rendered":"http:\/\/caissealliance.absoludev.ca\/?p=5403"},"modified":"2020-04-21T14:04:03","modified_gmt":"2020-04-21T18:04:03","slug":"cpa-requirements-for-pre-authorized-debits","status":"publish","type":"post","link":"https:\/\/www.caissealliance.com\/en\/business\/management\/cpa-requirements-for-pre-authorized-debits\/","title":{"rendered":"CPA requirements for pre-authorized debits"},"content":{"rendered":"
\n

The Canadian Payments Association (CPA) has made important changes to Rule H1 regarding pre-authorized debits (PADs). The changes include new requirements for financial institutions and PAD issuing companies, as well as improvements to payors\u2019 rights.<\/p>\n

As a pre-authorized debit issuing company, you must comply with the new CPA requirements if you wish to offer your clients direct withdrawal services.<\/p>\n

Responsibilities and obligations with regard to debits are set forth in\u00a0Rule H1 \u2013 Pre-Authorized Debits (PADs)<\/a>\u00a0by the Canadian Payments Association and in the Caisse populaire Direct Withdrawal Service Agreement.<\/p>\n

Please read the information made available to you in this section and contact an Acc\u00e8sD\u00a0Affaires advisor at your\u00a0Caisse populaire\u00a0to update your Direct Withdrawal Service file (Pre-Authorized Debit).<\/p>\n<\/div>\n

Two mandatory documents<\/h2>\n

1-\u00a0<\/strong>Direct Withdrawal Service Agreement<\/h3>\n

You must sign the Direct Withdrawal Service Agreement (Pre-Authorized Debit) with your C aisse populaire.<\/p>\n

For existing users, this new agreement will replace provisions relating to Direct Withdrawal in Appendix II of your current Acc\u00e8sD\u00a0Affaires Registration Agreement (Direct Deposit and Withdrawal Data Transmission). It will be forwarded to you when you contact an Acc\u00e8sD\u00a0Affaires advisor to update your file.<\/p>\n

2-\u00a0<\/strong>Payor\u2019s PAD Agreement<\/h3>\n

You will have to prepare and give effect to a Payor\u2019s PAD Agreement to present to your customers.<\/p>\n

This is a form, commonly called Direct Withdrawal Authorization, that your customers must fill out to authorize a pre-authorized withdrawal or debit from their account.<\/p>\n

This Agreement is commonly presented in paper version and must include the mandatory information elements set out in Rule H1 and specified in your Direct Withdrawal Service Agreement. It is also possible to prepare an electronic Payor\u2019s PAD Agreement (Internet, e-mail, telephone), as long as it meets the same requirements.<\/p>\n

Terminological equivalence<\/h2>\n

The following table shows certain equivalencies between the terms used in your Caisse populaire documentation and those used by the Canadian Payments Association.<\/p>\n\n\n\n\n\n\n\n
Terms used by\u00a0<\/strong>the Caisse populaire<\/strong><\/td>\nTerms used in\u00a0<\/strong>the Canadian Payments Association Rule H1<\/strong><\/td>\n<\/tr>\n
PAD issuing company or PAD issuing organization<\/td>\nBillers or Payee (of PAD)<\/td>\n<\/tr>\n
Direct Withdrawal Service Agreement<\/td>\nPayee Letter of Undertaking<\/td>\n<\/tr>\n
Caisse populaire and Acc\u00e8sD\u00a0Affaires<\/td>\nSponsor member (financial institution member of the Canadian Payments Association that sponsors a payee)<\/td>\n<\/tr>\n
Financial institution that holds the payor\u2019s account Processing institution<\/td>\nProcessing member (financial institution member of the Canadian Payments Association that processes the PAD)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

The Canadian Payments Association (CPA) has made important changes to Rule H1 regarding pre-authorized debits (PADs). The changes include new requirements for financial institutions and PAD issuing companies, as well as improvements to payors\u2019 rights. As a pre-authorized debit issuing company, you must comply with the new CPA requirements if you wish to offer your […]<\/p>\n","protected":false},"author":1,"featured_media":9289,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[124],"tags":[],"class_list":["post-5403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-management"],"acf":[],"yoast_head":"\nCPA requirements for pre-authorized debits | Caisse Alliance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.caissealliance.com\/en\/business\/management\/cpa-requirements-for-pre-authorized-debits\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CPA requirements for pre-authorized debits | Caisse Alliance\" \/>\n<meta property=\"og:description\" content=\"The Canadian Payments Association (CPA) has made important changes to Rule H1 regarding pre-authorized debits (PADs). 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