> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.padsfinancial.com/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Why can’t I generate the Pre-authorized Debit (PAD) agreement?

This could be because your bank account has not been verified. You will need to have a verified bank account prior to generating the PAD agreement.