Pre-Authorized Tax Payments (PAP) Program

OPTION #1 - 4 Installment PAP Plan

Property taxes will be paid each year by four withdrawals.

With our 4 Installment PAP Plan, payments are taken over the 4 months which coincide with the regular non-PAP installment due dates of February, May, August and November.

Payments will be automatically withdrawn from your bank account on the 10th day of the month (or the next business day in the event of a statutory holiday or weekend). 

The withdrawal amounts will correspond with the installment amounts on your Interim and Final Tax Bills. 

OPTION #2 – 10 Installment PAP Plan

Property taxes will be paid each year by ten withdrawals.

With our 10 Installment PAP Plan, payments are taken over 10 months February through to November - and cover the Interim and Final Tax Bills.

Payments will be automatically withdrawn from your bank account on the 10th day of the month (or the next business day in the event of a statutory holiday or weekend). 

There are no payments in January or December and the program automatically starts again the following February.

Note:

The first five (5) payments (February to June) will be an estimated, equal monthly amount representing the Interim Tax Bill (this amount is calculated at 50% of the previous year’s tax levy divided into 5 equal payments). 

When the amount of the Final Tax Bill is determined, the monthly payment may be adjusted. The last five (5) payments (July to November) reflect the balance of taxes owing (including, but not limited to, the tax rate and assessment changes for the year and any local improvement charges), minus the payments already received.

You will receive a PAP Plan installment schedule, upon first enrollment, and subsequently twice a year to along with the Interim Tax Bill and the Final Tax Bill advising of monthly payment amounts.

For new PAP Plan enrollees, your payment schedule may vary from the schedule(s) described above, depending upon your entry date into the program.

Installments will be processed on or about the 10th of the month. Your PAP Plan installment schedule will indicate the date and amount of the withdrawal (please ensure there are sufficient funds in the account on the noted dates).

It is the responsibility of the participant to inform the office of the Town of Grand Valley of any banking changes and/or request for removal from the PAP Plan, at least fifteen (15) days prior to the next installment date.

Eligibility

Provided your tax account is up to date at your desired start date, your mortgage company is not paying taxes on your behalf and your property is fully assessed, you are eligible for the program. All tax amounts due prior to the desired start date must be paid in full; failure to do so will result in the application being rejected and returned to you.

Arrears

Your account must remain current and in good standing prior to enrollment and when on the program. If your account goes into arrears at any point, you will be removed from the program.

Participants will be removed from the PAP Plan if a payment does not clear through their financial institution, if they have an unpaid balance, or if there is an ownership change recorded for their property.

Returned Payments

If any payments are returned, an administrative fee will be added to your taxes, your enrollment in the PAP Plan will be terminated and you will revert back to the four (4) installment system, including any interest or penalties owing.

Service and Penalty Charges

If any of your pre-authorized payments do not clear through your financial institution, the Town will charge you an administrative fee and penalty/interest in accordance with our current Fees & Charges By-law. You will also be automatically removed from the PAP Plan, and you will have to re-apply for the program. Re-enrolments to the PAP program are subject to a fee as outlined in the Fees & Charges By-law.

In accordance with existing By-laws, if payments are not received by the Town on or before the due date, a charge of 1.25% will be added on the first day of default (DOD) and on the first day of each calendar month thereafter, as long as the taxes remain unpaid. Monthly interest charges will be imposed on any unpaid taxes from previous years.
Penalty and Interest charges cannot be waived.

Supplementary and Omitted Property Assessments and Other Charges

Supplementary taxes for new construction, improvements or any other re-assessments will not be covered by the PAP Plan. They are the responsibility of the client to be paid separately via other payment methods and by the corresponding due date(s). Failure to make these payment(s) will result in your tax account not being current and you will be removed from the PAP Plan.

Other charges added to your tax account (including, but not limited to, accounts receivables transferred to taxes or Water arrears) will not be covered by the PAP Plan. They are the responsibility of the client to be paid separately via other payment methods and by the corresponding due date(s). Failure to make these payment(s) will result in your tax account not being current and you will be removed from the PAP Plan.

Changes in the amount, date or frequency of the withdrawals cannot be altered.

To cancel your PAP Agreement, please complete the online PAP Plan Change Form or visit the Town office to obtain a paper copy of the form for completion.

1. 1. Submit the form to the Town at least fifteen (15) days before your next withdrawal date.
   2. Once your request is processed you will receive notice by mail or email that you have been removed from the program.
   3. Immediately pay any outstanding balance to avoid interest charges.

Any cancellations require at least fifteen (15) days’ notice before any scheduled withdrawal.

Please inform the Town immediately if any withdrawal from your account is not in accordance with the terms of your agreement (e.g., different amount or date) or processed after you have cancelled the agreement. Any payments not processed by your Financial Institution will be subject to a fee in accordance with the Town of Grand Valley’s current Fees & Charges By-law.

Please inform us as soon as possible if you are moving or there is an upcoming change in property ownership.

If you are selling your property, you must cancel your agreement by completing the online PAP Plan Change Form or visiting the Town office to obtain a paper copy of the form for completion. 

Your PAP Plan is not transferable. If you are moving to another property in the Municipality or there is a change in the ownership of the property and you want to re-enrol, complete the online PAP Plan Enrollment Form or visit the Town office to obtain a paper copy of the form for completion. Re-enrolments to the PAP program are subject to a fee as outlined in the Fees & Charges By-law.

Banking Information 

To change your existing banking information, please complete the online PAP Plan Change Form or visit the Town office to obtain a paper copy of the form for completion.

A new void cheque must be submitted for any bank account changes.
Any banking changes require at least fifteen (15) days’ notice before any scheduled withdrawal.

Mailing Address

To change your mailing address, please complete the online PAP Plan Change Form or visit the Town office to obtain a paper copy of the form for completion.

Re-enrolments to the PAP program are subject to a fee as outlined in the Fees & Charges By-law if the property tax account is reinstated to the program within one year following the removal from the program (either because of removal from the program by the Town or by request to be removed by the property owner).