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How to Switch to Pre-Authorized Debit (PAD) in ShipTime

I’d keep this as a standalone article. It covers a fairly specific setup process with two verification methods, multiple screenshots, and eligibility requirements. It would become too large if merged into the general credit-account article.

I’d make the title a little cleaner and keep the article focused on setup rather than promotional benefits.

English

Article title

How to Switch to Pre-Authorized Debit (PAD) in ShipTime

Pre-Authorized Debit (PAD) allows eligible ShipTime customers to have payments withdrawn directly from their bank account instead of using a credit card for their credit-account billing.

PAD is available to ShipTime customers with an active Credit Account.

Who can use Pre-Authorized Debit?

To switch to PAD, your ShipTime account must have:

  • an active Credit Account
  • a payment method currently associated with the credit account

If you do not yet have a credit account, see How to Apply for a ShipTime Credit Account.

How do I switch to Pre-Authorized Debit?

  1. Sign in to your ShipTime account.
  2. Go to Settings > Payments.
  3. Confirm that your Default Payment is set to Credit Account.

[SCREENSHOT REQUIRED – Payments page showing Credit Account as the default payment method]

  1. Select Switch to Pre-Authorized Debit.

[SCREENSHOT REQUIRED – Payments page showing Switch to Pre-Authorized Debit]

  1. Review the information provided and select Agree to continue.

You can then connect your bank account using one of two methods:

  • secure bank login
  • manual verification using micro-deposits

How do I connect my bank account using secure bank login?

  1. Select your financial institution from the available options or use the search function.

[SCREENSHOT REQUIRED – bank selection screen]

If your bank does not appear, you can use the manual verification option described below.

  1. Sign in securely using your bank’s authentication process.

[SCREENSHOT REQUIRED – secure bank login screen]

  1. Follow the prompts to authorize the connection.

Once completed, you will be returned to Settings > Payments, where your connected bank account will appear as a payment method.

[SCREENSHOT REQUIRED – Payments page showing the connected bank account]

What if I do not want to connect through online banking?

You can choose Manually Verify and connect the bank account using the micro-deposit verification process.

This option may also be available if your financial institution does not appear in the bank search.

How does manual bank verification work?

  1. Select Manually Verify or the available Micro-deposit verification option.
  2. Enter the requested banking information.
  3. Select Submit.

[SCREENSHOT REQUIRED – manual verification screen showing banking details and Submit]

  1. Two small deposits will be sent to your bank account.

Instructions for confirming the amounts will be sent to the Accounting email address associated with your ShipTime account.

[SCREENSHOT REQUIRED – micro-deposit verification instructions]

  1. Follow the instructions provided to confirm the deposit amounts.
  2. Review the Pre-Authorized Debit agreement and select Agree.

[SCREENSHOT REQUIRED – PAD agreement showing Agree]

What does Pending mean?

If you use manual verification, the bank account will display a Pending status until the verification process is completed.

You may also receive follow-up emails from Stripe with instructions required to finalize the verification.

[SCREENSHOT REQUIRED – bank account showing Pending status]

Once verification is complete, the bank account will be available for your PAD payments.

What happens after PAD is set up?

Once your bank account has been successfully connected and verified:

  • the bank account will appear under Settings > Payments
  • it will be available for your credit-account billing
  • manually verified accounts will remain Pending until verification is completed

Why use Pre-Authorized Debit?

PAD can help customers with credit accounts:

  • reduce reliance on credit cards
  • manage recurring weekly billing directly through a bank account
  • maintain a consistent payment method as shipping volume grows

What if I have trouble setting up PAD?

If you have questions about PAD eligibility, bank verification, or your credit account, contact our Heroic Support™ team.