Overview of an Authorization

A Pre-authorized Debit Agreement (PAD) is a written payment agreement form (electronic or paper) between the payor and payee.

You need a PAD or authorization form before withdrawing money from the payor’s bank account.

The authorization will outline the frequency, amounts (variable or set), and any additional information that is required.

Authorization is required in the United States and Canada for pre-authorized bank payments. 

Processing payments without an agreement is a violation of Rotessa's payment policies and will result in legal action and suspension of your account.

Rotessa cannot cancel an authorization because authorizations are made between the payor and the payee. We are used as a payment vendor to facilitate transfers between the payor and the payee.

Direct communication between the payor and payee are necessary when cancelling any payments or pre-authorized debits. This also applies to any transaction refunds.