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# How pre-authorized debits (PAD) work in Plexflow

## How PAD works in Plexflow

**PAD (pre-authorized debits)** let you collect rent automatically, directly from the tenant’s bank account.
👉 Once they are enabled, payments are:

- **withdrawn automatically**
- **recorded in Plexflow**
- **associated with the corresponding rent**

This reduces manual follow-up, limits missed payments, and centralizes all payment management in one place.

## Why use PAD?

PAD offers several advantages:

- ✅ **Less manual work**
- 📊 **Centralized payment tracking**
- 🔄 **A reliable, automated process**

👉 The result: you save time and improve your rental management.

## Usage fees

- 💲 **$0.99 per completed transaction**
- 🚫 **No monthly fee**

👉 You pay only when the payment is completed, the following month.

## Payment receipt timelines

Two options are available:

- ⚡ the option that advances the funds: deposit in 1 business day
- 🏦 **Without advance**: a variable delay depending on the financial institutions

👉 Funds advance lets you receive your money faster, even if the withdrawal is still being processed.

## If a payment is declined

Fees may apply:

- 💸 **$25** (insufficient funds)
- 💸 **$5** (other reasons)

[Detailed list of fees](https://help.plexflow.ca/fr/article/ouverture-dun-compte-bancaire-proprietaire-dans-plexflow-portefeuille-de-compagnie-1fuq2vt/#1-est-ce-quil-y-a-des-frais-associes-au-mode-de-versement-dpa)

## Verification required (mandatory)

Before you can use PAD, you must **connect and verify your bank account**.
👉 This step is mandatory to meet security standards and allow withdrawals.
🎥 See the full procedure:
👉 [https://help.plexflow.ca/fr/article/ouverture-dun-compte-bancaire-proprietaire-dans-plexflow-portefeuille-de-compagnie-1fuq2vt/](https://help.plexflow.ca/fr/article/ouverture-dun-compte-bancaire-proprietaire-dans-plexflow-portefeuille-de-compagnie-1fuq2vt/)

## Enable PAD in Plexflow

Once the account has been verified, you can enable PAD directly on a unit.

### Steps:

**1. Verify the bank account**

- Go to 👤 **Profile**, then open the **Integrations** tab
- Start the verification
- Complete the form

**2. Enable PAD on the rent**

- Open the unit’s Rent Details
- **Enable electronic payments**

🎥 See how to enable PAD:
👉 [https://help.plexflow.ca/fr/article/inscrire-une-collecte-dpa-dune-unite-dans-plexflow-1x4yj0z/](https://help.plexflow.ca/fr/article/inscrire-une-collecte-dpa-dune-unite-dans-plexflow-1x4yj0z/)

![Infographic explaining how pre-authorized debit (PAD) works in Plexflow](https://storage.crisp.chat/users/helpdesk/website/-/9/9/5/a/995a701e47028800/onboarding_1at46x9.png)