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What are Pre-Authorized Payments?

Pre-authorized payments (PAP) allow you to arrange automatic payments of a regularly recurring bill or purchase directly from your TD Credit Card. You’ll also enjoy peace of mind knowing your regularly recurring payments will be paid securely and on time.


Benefits of Pre-Authorized Payments

  • Convenience

    Stay on top of your payments by setting up regularly recurring bill payments on your TD Credit Card.

  • Rewards

    Help reach your reward goals faster when you set up automatic recurring bill payments on your TD Credit Card account*.

  • Protection and security

    Your regularly recurring bills will be paid securely on their due dates, avoiding late fees.


How to set up Pre-Authorized Payments with merchants

Pre-authorized bill payments can be set up with any merchant that allows pre-authorized payments, such as your cell phone, utilities, internet, streaming services, subscriptions and gym membership. Have your TD Credit Card on hand and simply follow these steps.

  • 1

    Access your account with the merchant, either online or by speaking to them on the phone.

  • 2

    Choose the option to set up automatic payments using your TD Credit Card.

  • 3

    Now your regularly recurring bills from this merchant will be paid automatically on their due dates.


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