Get The Most Out of My Credit Card

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.

Access your account with the merchant, either online or by speaking to them on the phone. Choose the option to set up automatic payments using your TD Credit Card. Now your regularly recurring bills from this merchant will be paid automatically on their due dates.

Frequently asked questions

What is the difference between pre-authorized payment (PAP) and pre-authorized debit (PAD)?

Setting up a pre-authorized payment (PAP) allows you to arrange automatic payments of a regularly recurring bill or purchase directly from your TD Credit Card. Pre-authorized debit (PAD) allows you to authorize automatic payments to be withdrawn directly from a TD personal banking account.

Is there a limit to how many pre-authorized bill payments I can set up?

There is no limit on the number of pre-authorized bill payments you can set up on your TD Credit Card.

Can I earn rewards points for setting up pre-authorized bill payments on my TD Credit Card?

Regularly recurring bill payments on your TD Credit Card are eligible for base points or additional bonuses if your specific TD Credit Card has an automatic recurring bill payments accelerator. Check here to see the points and accelerators you may earn.

Is there a fee for setting up pre-authorized bill payments with my TD Credit Card?

TD does not charge any fees for setting up pre-authorized bill payments with your TD Credit Card. However, some merchants may charge for automatic recurring bill payments. Be sure to check directly with merchants about any fees.

How do I cancel a pre-authorized bill payment from my TD Credit Card?

You must contact the merchant directly to cancel or discontinue any pre-authorized bill payments. Some merchants require advance notice to discontinue pre-authorized payments, so allow additional time to make this change.

Can I make changes to pre-authorized bill payments on EasyWeb or on the TD app?

Changes to pre-authorized bill payments on your TD Credit Card Account cannot be made on EasyWeb or the TD app. You must contact the merchant directly to make changes, including cancelling pre-authorized bill payments.

Can I set up pre-authorized bill payments if I’m an additional cardholder?

Additional cardholders can set up pre-authorized bill payments / automatic recurring bill payments using their card. For certain eligible cards, the primary cardholder will share eligible card benefits and earn TD Rewards Points, Aeroplan points or Cash Back Dollars from eligible recurring payments set up by the additional cardholder. Adding an additional cardholder to your account is easy, get started here.

What should I do if my TD Credit Card used for automatic recurring bill payments is stolen?

If you think your card has been lost or stolen, call 1-800-983-8472 right away for a replacement.

When you receive a new card, you must update the merchant with your new card number, either through your account on the merchant’s website or by contacting them. It is your responsibility to settle any dispute or liability for transactions relating to automatic recurring bill payments directly with the merchant.

What should I do if my TD Credit Card used for automatic recurring bill payments is about to expire?

When your card is about to expire, you must update the merchant with your new card number when you receive it, either through your account on the merchant’s website or by contacting them directly.

What should I do if I pay a bill that I’ve already set up as a regularly recurring bill payment, resulting in an accidental overpayment?

If you accidentally pay a bill twice, please contact the merchant directly to arrange a refund of the double payment.

Does closing my TD Credit Card account automatically cancel any pre-authorized payments?

Any regularly recurring bill payments on your TD Credit Card account will cease once the account is closed. Please contact any merchants you have set up the pre-authorized payment with (e.g., cell phone plan, internet, gym membership, subscriptions, streaming services, insurance) to make alternate arrangements. Note that you will also be liable in case any regularly recurring bill payments are charged to your TD Credit Card account after your account closes.

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Your TD Rewards Points/Cash Back Dollars balance will be immediately updated but it will take up to two business days for the payment to be applied to your Credit Card Account.

Payment requests submitted on Fridays, on or after 12 PM EST, or any time on a weekend will not be processed until the following business day. Payment requests submitted on a statutory holiday will not be processed until the next business day.

If you want to redeem your TD Rewards Points through EasyWeb or the TD app to help pay down your TD Business Travel Visa* Card Account balance, your TD Business Travel Visa* Card Account must appear in your personal EasyWeb profile. Please call us at 1-800-983-8472, so we can arrange this for you. If your TD Business Travel Visa* Card Account already appears in your personal EasyWeb profile, remember to log in to EasyWeb using your personal TD Access Card.

If you have a TD U.S. Dollar Visa* Card, select Payments from the top navigation menu.

Alternatively, you can pay your TD Credit Card at a TD ATM or any TD Canada Trust branch.

Should you have any immediate questions, please call EasyLine telephone banking at 1-866-222-3456. Banking Specialists are available 24 hours a day, seven days a week.

Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Balance Transfer is made.