A convenient option of having your payments automatically withdrawn from your bank. No need to worry about due dates, line ups at the bank or large amounts coming due in a lump sum.
PAP - Step One – Pay your current bill.
Your account must be paid in full. If you have just received a bill, you must pay the amount due separately from the plan.
PAP - Step Two - Choose Your Payment Option from one of the following:
Tax Bill Options:
- Monthly: Payments on the 1st business day of each month. The Township will process a debit to your bank account, to be withdrawn monthly from January to October on the 1st business day of each month and the balance of your current yearly taxes in November. A letter will be mailed in October with notification of the November amount.
- Semi Monthly: Payments on the 15th and 30th of each month. The Township will process a debit, to be withdrawn bi-monthly from January to November on the 15th and 30th business day of each month. Please note this option is not available for supplementary taxes.
- Quarterly Instalments: Payments on the tax instalment due dates of March 15th, June 15th, September 15th and November 15th. Property taxpayers receive two tax bills per year, an interim tax bill in February (for tax instalment dates March 15th and June 15th) and a final tax bill in August (for tax instalment dates September 15th and November 15th). Both bills (4 instalments) add up to your yearly property taxes.
Utility Bill Options:
Municipal utility accounts are billed quarterly in January, April, July, and October. Payments are withdrawn only on the scheduled installment due dates; no other withdrawals will occur outside of these dates.
PAP - Step Three - Fill out an application
PAP Enrolment Form
To ensure prompt enrolment in the plan be sure to:
- Enclose an unsigned cheque marked 'void' or note all the banking information - Institution #, Transit # and Account #.
- Note the property roll number (the 19 digit number starting with 34 08) or account number
- Note the property address
- Sign the form, or written request or note your name in the email.
This authorization will not be required each year.
Note: If you are moving within the Township of Malahide, your pre-authorized account is NOT transferable. You must complete a new application form.
If your banking information changes or you wish to withdraw from the plan you must provide the Township with 30 days written notice.
There is a service fee for all items returned from your banking institution, such as for insufficient funds.
Subscribers to the PAP Plan, who have more than one returned item in a year, will be removed from the plan.
The balance of the taxes will become due on the regular due dates and subject to standard penalties and interest of 1.25% per month for any late payments.
Pre-authorized Payment and Plan Questions and Answers
Who is eligible to enroll in the plan?
You are eligible if all your property taxes and utility accounts are paid in full up to your chosen start date.
Will I still receive a bill if I enroll in the PAP plan?
Yes. All plan subscribers will receive their bill for review and records. If you choose a plan with multiple installments, the bill will indicate the scheduled pre-authorized withdrawals for each payment date.
What’s not included in the Pre-authorized Payment Plan?
Taxes: Supplementary Tax Bills. If you are enrolled in the Township's PAP Plan and receive a supplementary bill for improvements to your property, the terms and conditions of the plan require you to pay these tax charges separately by the due date stated on the bill.
How does the PAP program work?
Taxes: After enrolling into the program our office will send you a letter advising payment details and amounts. The program runs per calendar year beginning in January, although enrolment can begin at any time during the year. The payment amount is calculated using the previous year’s total tax levy increased by 5% (this allows for any possible tax increases) and then divided by 11 for monthly PAP, or 22 for semi-monthly PAP. Once the actual current year’s levy is known mid-September, you will be notified by letter of the adjusted amounts for the final 2 payments for monthly PAP or final 4 payments for semi-monthly. There are no payments in December.
Utilites: Pre-Authorized Payments (PAP) for utilities are withdrawn only on the scheduled installment due dates. No other withdrawals will be made outside of these dates.
How will I know what my payment amount is if I choose a non-installment option?
If you choose a non-installment option, we will notify you each year of your new payment amount for the upcoming taxation year.