If you're using Chexy's PAD (Pre-Authorized Debit) delivery method and your payee withdraws a different amount than what you set in your Chexy account, this is called a PAD discrepancy. This article explains what causes discrepancies, how Chexy's auto-charge works, and how to resolve them.
What Is a PAD Discrepancy?
A PAD discrepancy occurs when your payee submits a withdrawal request that doesn't match the amount set in your Chexy subscription. Common causes include:
Your payee's billing amount changed (e.g., lease renewal, fee adjustment, variable utility bill)
Timing issues, such as a withdrawal request arriving earlier than expected
Incorrect or outdated payment settings in your Chexy dashboard
When this happens, you'll be notified in two ways:
A yellow banner will appear in your Chexy dashboard that says "Unknown PAD Payment Request"
You'll receive an email with the payment details and the nature of the discrepancy
Your payee is still paid immediately and in full when the withdrawal is submitted — the discrepancy only affects your Chexy account.
How Auto-Charge Works
When your payee withdraws more than your subscription amount, Chexy automatically charges your card on file to cover the difference — up to $500.
Example:
You set up a utilities payment for $50.
Your payee withdraws $55.23.
Your card is automatically charged $5.23 to cover the difference.
Key details about auto-charge:
Maximum amount: Up to $500 per transaction. Discrepancies over $500 are not auto-charged and require manual resolution.
One attempt only: There is one attempt to auto-charge the difference. Make sure your card on file is valid and has sufficient funds.
Notification: You'll always receive a notification when an auto-charge occurs.
If it fails: Your payment will remain in PAD in review status and you'll need to resolve it manually (see below).
When the Withdrawal Is Higher Than Your Subscription
If your payee withdraws more than your subscription amount, here's what Chexy does:
We pay your payee the full withdrawal amount right away
We flag the difference (deficit) on your account
If the difference is small, we auto-charge your card
If the difference is larger, we send you an email to approve the deficit
If you do not approve the deficit, the payment will be returned and you may incur NSF fees from your payee.
Best practice for variable bills: For bills that fluctuate (utilities, insurance, property tax, etc.), set your subscription slightly lower than your expected amount. Small deficits are auto-charged, while refunds for overpayment are returned less fees.
How to Resolve a PAD Discrepancy
You can resolve most PAD discrepancies yourself in just a few clicks:
Sign in at app.chexy.co
Click on "Review PAD Withdrawal"
Select the payment in question
Select the card you'd like to pay the difference with
Charge your card
Wait until the payment is processed and click "Done" once you see the success message
If this amount change will continue in the future, be sure to update your recurring payment amount in your dashboard to avoid repeated discrepancies.
Note: Certain complex PAD discrepancy cases may require manual assistance from our team. If the "Review PAD Withdrawal" option isn't showing up in your dashboard, contact Chexy Support and we'll be happy to help.
Resolution Process & Timeline
If your discrepancy requires manual resolution (e.g., over $500 or a complex case), here's what to expect:
Contact Chexy Support with your payee's name, the reason for the discrepancy, and how you'd like it resolved
Our PAD Payments Team will investigate and follow up — most cases are resolved within 2–3 business days
The payment is generally marked as "accepted" from the payee's perspective, avoiding late fees or penalty charges
Upon resolution, Chexy finalizes the payment and confirms the outcome with you
Refunds: If the PAD amount is lower than your subscription and we've already charged your card, you're eligible for a partial refund of the difference. If your payee does not withdraw the funds, you must request a refund by contacting support — funds are not returned automatically. Chexy is unable to hold unused funds for future payments.
What Happens If You Don't Resolve It
PAD discrepancies must be resolved within 30 days. If a discrepancy is not resolved within this time frame:
The PAD request is automatically rejected (staged for return) by the system. This action is irreversible.
Chexy will no longer be able to process the payment. You will need to handle the payment directly with your payee outside of the platform.
We recommend resolving discrepancies within 72 hours of receiving a reminder to avoid any risk of automatic rejection.
Tips to Prevent PAD Discrepancies
Regularly verify your recurring payment amounts match what your payee expects to withdraw
Update your payment amount in Chexy promptly if your billing arrangements change (e.g., lease renewal, rate adjustment)
For variable bills, set your subscription slightly lower than your expected amount so small deficits are auto-charged
Confirm the legitimacy of your payee and cross-check details when discrepancies arise
FAQ
What does "PAD in review" mean?
This status means a PAD discrepancy has been detected and the payment is awaiting resolution — either through auto-charge, self-serve resolution, or manual assistance from our team.
What if my payment is in "waiting for withdrawal" status?
This means funds are ready in your Chexy Wallet but your payee's bank hasn't submitted a withdrawal request yet. Confirm with your payee that they will be making a withdrawal request before reaching out to Chexy Support.
Need help? If you're seeing a flagged PAD or are unsure how to proceed, contact our support team — we're here to help.