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Here are some of the differences between the two processes.
| Description | Interac | PAD |
| Processing time | Same day | 5 business days |
| NSFs | No NSFs | NSFs exist |
| Can withdraw from the tenant on weekends/holidays | Yes | No |
| Can deposit to landlord account on weekends/holidays | No | No |
| Can the tenant chargeback payment? | No | Yes |
| The tenant needs to approve the request | Yes | No |
| Report payment to Equifax | Yes | Yes |
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