# Consumer guides



 [ ![Cheque being deposited by mobile device](/sites/default/files/styles/card_image_small/public/2022-09/PayingCheque.png?h=4362216e&itok=gFf1iFFO)

### Paying by cheque



Cheque use is steadily declining as electronic alternatives gain in popularity, but Canadians still use close to a billion cheques each year.



Guide

 ](https://www.payments.ca/payment-resources/support-guides/consumer-guides/paying-cheque)

 [ ![City with connecting lines](/sites/default/files/styles/card_image_small/public/2022-09/DirectDeposit.png?h=ccf0dbd8&itok=e7KwcHb9)

### Paying by pre-authorized debit



Pre-authorized debits (PADs) are a convenient way to pay bills and make other payments automatically. Instead of sending a payment, a company withdraws funds from your bank account.



Guide

 ](https://www.payments.ca/payment-resources/support-guides/consumer-guides/pre-authorized-debit)

 [ ![Woman outside looking at account](/sites/default/files/styles/card_image_small/public/2022-09/DirectDeposit2.png?h=4362216e&itok=2pTVbbuG)

### Direct deposit



Direct deposit is a fast, secure and convenient way to receive payments, an example of this is having your pay cheque deposited directly into your bank account.



Guide

 ](https://www.payments.ca/payment-resources/support-guides/consumer-guides/direct-deposit)

 [ ![Globe and hands](/sites/default/files/styles/card_image_small/public/2022-09/WirePayment.png?h=4362216e&itok=fXoLJek8)

### Wire payment



One of the safest, most efficient ways to move money from your account into someone else's is to send a wire payment through your financial institution.



Guide

 ](https://www.payments.ca/payment-resources/support-guides/consumer-guides/wire-payment)