Accept a Canadian pre-authorized debit payment

To support Canadian pre-authorized debit payments, a Checkout Session must satisfy all of the following conditions:

• You can only use one-time line items (subscriptions are not yet supported in Checkout).
• Prices for all line items must be expressed in Canadian or US dollars (currency code cad or usd).
• Prices for all line items must be in the same currency. If you have line items in different currencies, create separate Checkout Sessions for each currency.

Presentment currency

Most bank accounts in Canada hold Canadian dollars (CAD), with a small number of accounts in other currencies, including US dollars (USD). It is possible to accept PAD payments in either CAD or USD, but choosing the correct currency for your customer is important to avoid payment failures.

Unlike many card-based payment methods, you might not be able to successfully debit a CAD account in USD or debit a USD account in CAD. Most often, attempting to do so results in a delayed payment failure that takes up to five business days.

To avoid these failures, it is safest to take PAD payments in CAD unless you are confident your customer’s account accepts USD debits.

This guides you through enabling Canadian pre-authorized debit and shows the differences between accepting a card payment and using this payment method.

Enable Canadian pre-authorized debit as a payment method

When creating a new Checkout Session, you need to:

1. Add acss_debit to the list of payment_method_types.
2. Make sure all your line_items use the cad currency.
3. Specify additional payment_method_options parameters to describe your transaction. Learn more below.

Payments must specify a payment schedule for customers to authorize when checking out. See PAD Mandates for details on how to choose the right mandate options for your business:

Create a Checkout session

Stripe::Checkout::Session.create({
  mode: 'payment',
  payment_method_types: ['card'],
  payment_method_types: ['acss_debit'],

  # or you can take multiple payment methods with
  # payment_method_types: ['card', 'acss_debit', ...]
  line_items: [{
    price_data: {
      currency: 'usd',
      # To accept `acss_debit`, all line items must have currency: cad, usd
      currency: 'cad',
      product_data: {
        name: 'T-shirt',
      },
      unit_amount: 2000,
    },
    quantity: 1,
  }],
  payment_method_options: {
    acss_debit: {
      mandate_options: {
        payment_schedule: 'interval',
        interval_description: 'On February 22, 2025',
        transaction_type: 'personal',
      }
    }
  },
  success_url: 'https://example.com/success',
  cancel_url: 'https://example.com/cancel',
})

During the Checkout session, the customer is presented with a UI modal that handles bank account details collection and instant verification with an optional fallback to verification using micro-deposits. In the uncommon case that the customer opts for micro-deposit verification, Stripe automatically sends two small deposits to the provided bank account which take 1-2 business days to appear on the customer’s online bank statement. When the deposits are expected to arrive, the customer receives an email with a link to confirm these amounts and verify the bank account with Stripe. Once completed, the payment begins processing.

Fulfill your orders

After accepting a payment, learn how to fulfill orders.

Receive micro-deposit verification email

In order to receive the micro-deposit verification email in test mode after collecting the bank account details and accepting a mandate, provide an email in the payment_method[billing_details][email] field in the form of {any_prefix}+test_email@{any_domain} when confirming the payment method details.

Test account numbers

Stripe provides several test account numbers you can use to make sure your integration for manually-entered bank accounts is ready for production. All test accounts that automatically succeed or fail the payment must be verified using the test micro-deposit amounts below before they can be completed.

To mimic successful or failed bank account verifications in test mode, use these meaningful amounts for micro-deposits:

The refund period for Canadian pre-authorized debit is up to 180 days after the original payment.

Customers can dispute a payment through their bank up to 90 calendar days after the original payment and there is no appeals process.

Learn more about Canadian pre-authorized debit disputes.