{"id":757801,"date":"2018-12-17T02:16:52","date_gmt":"2018-12-17T07:16:52","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=757801"},"modified":"2025-04-13T18:41:49","modified_gmt":"2025-04-13T22:41:49","slug":"preauthorized-payments-on-your-credit-card","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/credit-cards\/preauthorized-payments-on-your-credit-card","title":{"rendered":"How to handle pre-authorized payments on your credit card"},"content":{"rendered":"<p>Pre-authorized payments, also known as direct debits and pre-authorized debits, are amounts that you authorize to be taken from your bank or credit card account on a regular basis to pay for a service or goods. This might include things like your cell phone bill or a gym membership.<\/p><p>The amount may be fixed or variable, and it may be deducted on exactly the same day every month, around the same day, or on a weekly or bi-weekly basis. In other words, pre-authorized payments can be set up to suit your needs and the demands of the merchant that you&#8217;re paying.<\/p><div class=\"did-you-know u-bg--sky-subtle u-rounded--lg\" data-component=\"did-you-know\">\n        <div class=\"did-you-know__block\">\n        <h4 class=\"did-you-know__title\">\n            <span class=\"did-you-know__title-icon\">\n                <svg width=\"32\" height=\"32\" viewbox=\"0 0 32 32\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <circle cx=\"16\" cy=\"16\" r=\"12\" fill=\"#00B2FF\"\/>\n                    <path d=\"M17.5 22.5C17.5 22.7967 17.412 23.0867 17.2472 23.3334C17.0824 23.58 16.8481 23.7723 16.574 23.8858C16.2999 23.9993 15.9983 24.0291 15.7074 23.9712C15.4164 23.9133 15.1491 23.7704 14.9393 23.5607C14.7296 23.3509 14.5867 23.0836 14.5288 22.7926C14.471 22.5017 14.5007 22.2001 14.6142 21.926C14.7277 21.6519 14.92 21.4176 15.1667 21.2528C15.4133 21.088 15.7033 21 16 21C16.3978 21 16.7794 21.158 17.0607 21.4393C17.342 21.7206 17.5 22.1022 17.5 22.5ZM16 9C13.2425 9 11 11.0188 11 13.5V14C11 14.2652 11.1054 14.5196 11.2929 14.7071C11.4804 14.8946 11.7348 15 12 15C12.2652 15 12.5196 14.8946 12.7071 14.7071C12.8946 14.5196 13 14.2652 13 14V13.5C13 12.125 14.3463 11 16 11C17.6538 11 19 12.125 19 13.5C19 14.875 17.6538 16 16 16C15.7348 16 15.4804 16.1054 15.2929 16.2929C15.1054 16.4804 15 16.7348 15 17V18C15 18.2652 15.1054 18.5196 15.2929 18.7071C15.4804 18.8946 15.7348 19 16 19C16.2652 19 16.5196 18.8946 16.7071 18.7071C16.8946 18.5196 17 18.2652 17 18V17.91C19.28 17.4913 21 15.6725 21 13.5C21 11.0188 18.7575 9 16 9ZM29 16C29 18.5712 28.2376 21.0846 26.8091 23.2224C25.3807 25.3603 23.3503 27.0265 20.9749 28.0104C18.5995 28.9944 15.9856 29.2518 13.4638 28.7502C10.9421 28.2486 8.6257 27.0105 6.80762 25.1924C4.98953 23.3743 3.75141 21.0579 3.2498 18.5362C2.74819 16.0144 3.00563 13.4006 3.98957 11.0251C4.97351 8.64968 6.63975 6.61935 8.77759 5.1909C10.9154 3.76244 13.4288 3 16 3C19.4467 3.00364 22.7512 4.37445 25.1884 6.81163C27.6256 9.24882 28.9964 12.5533 29 16ZM27 16C27 13.8244 26.3549 11.6977 25.1462 9.88873C23.9375 8.07979 22.2195 6.66989 20.2095 5.83733C18.1995 5.00476 15.9878 4.78692 13.854 5.21136C11.7202 5.6358 9.76021 6.68345 8.22183 8.22183C6.68345 9.7602 5.63581 11.7202 5.21137 13.854C4.78693 15.9878 5.00477 18.1995 5.83733 20.2095C6.66989 22.2195 8.07979 23.9375 9.88873 25.1462C11.6977 26.3549 13.8244 27 16 27C18.9164 26.9967 21.7123 25.8367 23.7745 23.7745C25.8367 21.7123 26.9967 18.9164 27 16Z\" fill=\"#232320\"\/>\n                <\/svg>\n            <\/span>\n            <span class=\"did-you-know__title-text\">Skip ahead<\/span>\n        <\/h4>\n        <div class=\"did-you-know__content\">\n            <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-10\"><li><a class=\"scroll\" href=\"#what\">What exactly is a pre-authorized payment<\/a><\/li><li><a class=\"scroll\" href=\"#added\">How to add a pre-authorized payment<\/a><\/li><li><a class=\"scroll\" href=\"#when\">When a pre-authorized payment is a good idea<\/a><\/li><li><a class=\"scroll\" href=\"#proscons\">Pros and cons of pre-authorized payments<\/a><\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-10\"><li><a class=\"scroll\" href=\"#cancel\">When to cancel pre-authorized payments<\/a><\/li><li><a class=\"scroll\" href=\"#howcancel\">How to cancel a pre-authorized payment<\/a><\/li><li><a class=\"scroll\" href=\"#faq\">Frequently asked questions<\/a><\/li><\/ul><\/div><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<h3 id=\"what\">What exactly is a pre-authorized payment?<\/h3><p>A pre-authorized payment is when you approve a merchant to automatically debit the purchases made by you to your credit card, chequings or savings account.<\/p><p>The reason many people choose pre-authorized payments is most often for convenience, where you won&#8217;t have to remember payment dates, which means you don&#8217;t have to worry about missing a payment or paying late fees. Here is how a pre-authorized payment works:<\/p><ul class=\"list-7\"><li><strong>Regular subscription.<\/strong> You have a regular subscription to a service or goods delivered to you such as your phone bill, electricity bill or a membership. To set up a pre-authorized payment, you have to give the merchant permission to charge the amount each month to your credit card automatically.<\/li><li><strong>Agreement with merchant.<\/strong> To do this, you will need to sign an agreement (a contract) with the merchant.<\/li><li><strong>Bill to be taken from account. <\/strong>On the arranged date and frequency, the payment will be taken from your account or in this instance, charged to your credit card \u2013 until you decide to cancel the contract.<\/li><li><strong>Variable or fixed.<\/strong> The pre-authorized payment can either be variable or fixed, and the terms are flexible, meaning the bill can be charged weekly, bi-weekly, monthly, etc.<\/li><\/ul><h3 id=\"added\">How to add a pre-authorized payment<\/h3><p>While it can often be done in writing as well as online, you will need to sign a contract agreeing to the pre-authorized payment. This may include:<\/p><ul class=\"list-9\"><li>Logging into the account you hold with the merchant and adding your credit card as a payment method. You will then need to select &#8220;pre-authorized&#8221; or &#8220;direct debit&#8221; as a payment method. If agreeing to this online, you can usually also cancel or change your payment method online too.<\/li><li>If it cannot be completed online, the merchant will send you a contract which you will need to sign and return. This contract will lay out the details of your pre-authorized payments, and will likely also inform you of how you can cancel them should the need arise.<\/li><\/ul><h3 id=\"when\">When a pre-authorized payment is a good idea<\/h3><p>Whether a pre-authorized payment is a good idea or not will depend on your financial situation. A pre-authorization on a credit card is good for people who:<\/p><ul class=\"list-4\"><li>Don&#8217;t want to spend time or worry about having to pay bills by a due date. Since the process is automated, it will be out of your mind so that you can concentrate on other more important things.<\/li><\/ul><p>However, there are drawbacks to using pre-authorized payments including:<\/p><ul class=\"list-13\"><li><strong>Over-committing.<\/strong> It&#8217;s easy to get carried away with pre-authorized payments since you don&#8217;t physically have to initiate the payment of the bill yourself each month. Before you sign another pre-authorization agreement, check to make sure you can actually afford it.<\/li><li><strong>Limit restrictions.<\/strong> Credit card restrictions can also work against you, <a href=\"https:\/\/www.finder.com\/ca\/credit-cards\/rewards-credit-cards\" target=\"_blank\" rel=\"noopener noreferrer\">such as rewards credit cards not offering rewards points for pre-authorized payments.<\/a><\/li><li><strong>Disputes.<\/strong> Disputes can be time consuming and difficult to remedy, especially if the pre-authorized payment has already been made to your account.<\/li><li><strong>Dishonoured payment fee.<\/strong> If the pre-authorized payment is refused by your credit card provider, you might have to pay a dishonoured payment fee.<\/li><\/ul><h3 id=\"proscons\">Pros and cons of pre-authorized payments<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-1\"><li>You know your bills will be paid each month on time.<\/li><li>You can take advantage of your credit card&#8217;s interest-free days.<\/li><li>You don&#8217;t have to have the money on hand like you do with a direct debit from a bank account.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>You must make sure that your credit limit can accommodate the pre-authorized payment each month.<\/li><li>Pre-authorized payments that are refused for any reason can result in being charged a dishonoured payment fee.<\/li><li>It can be harder to fix problem bills, because the money has already been taken.<\/li><li>You likely won&#8217;t be able to get rewards points or cash back for pre-authorized payment transactions.<\/li><\/ul><\/div><\/div><style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n 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}\n\n<\/style> <h4>Finder survey: How many credit cards do Canadians of different ages have?<\/h4><div id=\"scale-surveys-10029-9635\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view-how-many-credit-cards-do-you-have--age-\" class=\"u-grid__col u-1\/1 aligncenter size-full chart-container\" ><\/div><style>\n\t\t\t\t#scale-surveys-10029-9635 text,\n\t\t\t\t#scale-surveys-10029-9635 svg text,\n\t\t\t\t#view-how-many-credit-cards-do-you-have--age- text,\n\t\t\t\t#view-how-many-credit-cards-do-you-have--age- svg text {\n\t\t\t\t\tfont-family: 'Modern Era', sans-serif !important;\n\t\t\t\t}\n\t\t\t<\/style><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\n\t\t\t\t\tvar packageToLoad = 'bar';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\n\t\t\t\t\tfunction drawChart() 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google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span>Gen Z<\/th><th><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span>Gen Y<\/th><th><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span>Gen X<\/th><th><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span>Baby Boomers<\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td>1<\/td><td>39.33%<\/td><td>36.29%<\/td><td>25.8%<\/td><td>29.46%<\/td><\/tr><tr><td>2<\/td><td>23.85%<\/td><td>31.71%<\/td><td>30.74%<\/td><td>32.56%<\/td><\/tr><tr><td>I don&#039;t have a credit card<\/td><td>16.32%<\/td><td>8.57%<\/td><td>9.89%<\/td><td>10.08%<\/td><\/tr><tr><td>3<\/td><td>8.37%<\/td><td>12.29%<\/td><td>16.25%<\/td><td>13.95%<\/td><\/tr><tr><td>5<\/td><td>5.44%<\/td><td>2.29%<\/td><td>3.53%<\/td><td>2.33%<\/td><\/tr><tr><td>4<\/td><td>4.18%<\/td><td>6.57%<\/td><td>11.31%<\/td><td>11.63%<\/td><\/tr><tr><td>6<\/td><td>2.51%<\/td><td>2.29%<\/td><td>2.47%<\/td><td><\/td><\/tr><\/tbody><\/table><\/div><div class=\"source-container\"><span class=\"source\">Source: Finder survey by Pollfish of 1001 Canadians, January 2024\t\t<\/div><\/div><h3 id=\"cancel\">When to cancel pre-authorized payments<\/h3><ul class=\"list-3\"><li>Cancel a pre-authorized payment with the merchant if you have cancelled your agreement for whatever reason. If you do decide to cancel your pre-authorized payment, you will have to pay any outstanding amount owed to the merchant.<\/li><li>If you want to switch from pre-authorized payments to a different payment type, cancel your pre-authorization agreement.<\/li><\/ul><h3><a id=\"howcancel\"><\/a>How to effectively cancel a pre-authorized payment on your credit card<\/h3><p>It is entirely your choice to cancel a pre-authorized payment and you do not have to explain why you are doing so. All you need to do is send a letter to the merchant, and copy in your credit card provider or bank. Some merchants also allow you to cancel a pre-authorized payment online, without submitting a letter.<\/p><p>However, keep in mind that cancelling a pre-authorized payment may not end your liability to the merchant if an amount is outstanding or you have entered into a contract that still has some time left on it. You must be especially careful when a contract states that payment must be made by pre-authorized debit, and you have signed your agreement to this.<\/p><p>Some points to note:<\/p><ul class=\"list-7\"><li>If you cancel the pre-authorized payment, you are still legally bound to pay the merchant for services and goods already provided to you.<\/li><li>If your contract with the merchant stipulates that payment has to be made with pre-authorized payment, speak with a financial professional or a lawyer BEFORE cancelling your pre-authorized payment.<\/li><\/ul><h4>Step by step instructions on how to cancel a pre-authorized payment from your credit card<\/h4><ol><li>Write a letter of cancellation to your merchant and keep a copy for yourself.<\/li><li>Write a letter to your bank or credit card provider stating that you have cancelled the pre-authorized payment to your credit card.<\/li><li>Wait a few days, then call the merchant and check whether the pre-authorized payment has indeed been cancelled. Once you have cancelled your pre-authorization, make sure you receive a confirmation from both the merchant and your credit card provider.<\/li><\/ol><p>Depending on the merchant, it&#8217;s sometimes possible to cancel a pre-authorized payment online. You will need to:<\/p><ol><li>Log in to the merchant&#8217;s website and navigate to your payment page.<\/li><li>Select a different type of payment method or cancel your goods or services.<\/li><li>Wait a few days, then check back online to see whether the pre-authorized payment has indeed been cancelled.<\/li><li>If you have any issues, contact the merchant directly as well as your credit card provider, who may be able to put a stop on the payment.<\/li><\/ol><article class=\"luna-card luna-card--primary luna-card--border\">\n  <div class=\"luna-card__block\" style=\"padding:0.7em\">\n<span style=\"font-size:0.9em; font-weight: 800; font-style: italic; text-transform: uppercase;\">Related: <\/span><a href=\"https:\/\/www.finder.com\/ca\/credit-cards\" style=\"text-decoration:underline; font-size:0.9em;\">Compare credit cards in Canada<\/a>\n<\/div>\n<\/article><h3><a id=\"faq\"><\/a>Frequently asked questions about pre-authorized payments<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What should I do if a pre-authorized payment was charged to my credit card after I cancelled it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Contact the merchant and ensure they received the notice to cancel the pre-authorized payment. In addition, contact your credit card provider to put a stop on the payment. It may be difficult to get the money returned for the payment, however it&#8217;s best to take action with the merchant first before lodging a dispute with your credit card provider. This is because the merchant could likely refund the money within days, while a dispute through your credit card provider may take a month or longer.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Can I get rewards points for pre-authorized payments on my credit card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Most credit card providers do not consider pre-authorized payments as eligible transactions for rewards points or cash back. Contact your credit card provider or read your credit card Product Disclosure Statement to learn about the specifics of your card.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><div class=\"has-padding-xsmall\"><\/div>","protected":false},"excerpt":{"rendered":"<p>A complete guide to managing pre-authorized payments on your credit card account.<\/p>\n","protected":false},"author":15,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"452","post_co_author_date":"2025-04-13T18:41:51","post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"","post_author_manual_date_checked":"false","footnotes":""},"categories":[91],"tags":[],"asset_tag":[],"class_list":["post-757801","post","type-post","status-publish","format-standard","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to handle pre-authorized payments on your credit card | Finder<\/title>\n<meta name=\"description\" content=\"Payments can be easy by setting up pre-authorized payments on your credit card. 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