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its possible for a payor to cancel a pat agreement that they have entered into all pad cancellation requests must be sent by the payor directly to the biller with whom the payor has established the pad agreement not to the CPA or the customers fi the CPA cannot cancel the pad agreement as it is a contract between the payor and the payee the procedure to cancel a pad should be outlined to the peores pad agreement the agreement in which the payor authorized the payee to debit their account if no clear preference for cancellation procedure is expressed in the agreement it is advisable to notify the biller in writing and keep a record of the cancellation a sample pad cancellation form is provided in the CPAs rule h1 if the payers pad agreement does not outline the cancellation procedure and they are unable to contact the biller the payor may seek the advice of their financial institution as to how to cancel the pad that said this should be a last resort the pay Yours financial institution