Pre-Authorized Debits
PAD collections designed around mandate discipline.
Help businesses organise pre-authorised debit programmes without collecting unprotected banking credentials in the browser.
Book a call →Batch file
CSV or EFT text for the operations desk. Sending mail is not settlement.
Pre-authorised debits require a valid payer authorisation, accurate identification, and an auditable process when a debit is returned. Kyros provides the operational shell: documentation, support, and record-keeping after an external processor confirms activity. Browser forms do not request bank account numbers.
- →Guidance for mandate records held in your own systems
- →No in-browser capture of account credentials
- →Return and exception handling through support, not silent retries
- →Customer-only visibility of related records
Use cases
Property managers collecting recurring charges
Insurers collecting premiums on an agreed schedule
Professional associations billing dues
FAQ
Where should PAD mandates live?
In your own authorised systems. Kyros does not store bank account details in this release.
Can a customer of yours see another customer's PAD activity?
No. Records are scoped to the authenticated organisation on the server.
Book a call with our payments team
Tell us how you run files today. We will walk through the customer portal, batch intake, and what is not yet live — including origination and API access.