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Chargeback Protection + Fee Optimization

See how it works: high-volume merchants get automated dispute evidence, interchange optimization, and real-time savings visibility.

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Fee Check

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Referral Partners

A referral partnership has the least surface area of the partner programs: you introduce a business, RapidCents takes it from there, and you are paid for the merchants you introduce. There is nothing to build. The introduction is recorded when it is made, so attribution is settled at the start rather than argued about after go-live. Know Your Customer verification, underwriting, the interchange-plus quote, hardware and ongoing support all sit with RapidCents. The best thing to bring is a recent processing statement, not a pitch.

  • Nothing to build
  • Attribution recorded at introduction
  • RapidCents owns onboarding and support
  • Interchange-plus quoted to the merchant
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Watch how it works…Try it, edit values and click buttons

Edit amount and click Send requestSending request to /v1/payments…201 Created, payment approved for 24900 cents

API request

POST /v1/payments
{
  "amount": 24900,
  "currency": "USD",
  "capture": true,
  "metadata": { "order_id": "4821" }
}

Response

Click "Send request" to see the API response

Processing payment…

201 Created
{ "id": "pay_7xK2m", "status": "approved", "amount": 24900 }

Demonstration data only

In detail

  • Nothing to build

    No API, no certification and no software to maintain. The commitment is the introduction and the judgement behind it, which is why the program suits advisers rather than developers.

  • Attribution recorded at introduction

    The referral is logged when it is made, so which merchants are yours is a matter of record rather than a conversation once volume starts arriving.

  • RapidCents owns onboarding and support

    Know Your Customer verification, underwriting, pricing, hardware and ongoing support sit with RapidCents, so the partner is not the escalation point for a settlement question at month end.

  • Interchange-plus quoted to the merchant

    Your client sees interchange and markup as separate lines, which means the recommendation can be checked against their own statement instead of resting on your assurance.

  • Paid on the merchants you introduce

    Compensation follows the merchants who actually go live and process, which is why an introduction that is a poor fit helps nobody, including the person making it.

  • Start with a statement, not a pitch

    A recent processing statement run through Fee Check produces an effective rate and a breakdown of where cost sits. That is a far better opening than a rate comparison in the abstract.

Related pages

Questions about Referral Partners

When is a referral recorded, and what if my client already called?

The introduction is logged when it is made, so the earlier it is recorded the clearer the attribution. If the business has already been in contact with RapidCents, say so at the start. Sorting that out before an account opens is a short conversation; sorting it out after volume is processing is not.

Can I see where my introductions stand?

That is what the partner portal is for: which introductions are in progress, which have gone live, and current descriptions of what RapidCents does that you can use in your own material without rebuilding them from an old deck.

My client takes American Express — does the comparison still hold?

Treat it separately. The interchange-plus breakdown covers Visa, Mastercard and PIN debit; American Express runs on a different commercial model. For a client where Amex is a meaningful share of volume, compare it as its own line rather than letting it distort a single blended figure in either direction.

Is my client committing to something they cannot leave?

The Terms of Service give a merchant ninety days from notice of a fee increase, a new fee or a material change to cancel: written notice to [email protected] or a call to +1 (844) 957-2743, then the account closure form. Worth knowing before you recommend anyone, because it is the clause an adviser gets asked about.

Do I have to collect the merchant’s documents?

No. The merchant completes verification directly with RapidCents, and a referral partner is not asked to collect or hold any of it. Verification is still where applications wait, so the useful thing to do at the introduction is to say that documents will be requested early and let the merchant get them together.

What if a client is in a restricted category?

Ask before the introduction rather than after it. The acceptable use policy sets out prohibited activities and restricted categories, and a request to approve a restricted business goes to [email protected] before the first transaction. An introduction that cannot be underwritten helps nobody, least of all the person who made it.

Take the next step

Talk to a RapidCents specialist

RapidCents Fee Check reads a processing statement and shows interchange separately from the markup. Upload a statement for an instant breakdown, or open a merchant account and start accepting payments on one account.

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  • No obligation
  • Payment specialists, not a call centre
  • Secure statement upload