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Payment processing, POS systems and card machines by industry

Payment processing by industry means matching your setup to how your business gets paid: at a counter, in the field, online, by invoice or on a recurring schedule. RapidCents has 199 industry pages covering payment jobs, products, software connections and switching steps, so you can go straight to the one written for your kind of business.

Start from how your business gets paid

Start from how customers pay you, not from your industry's name. Most businesses collect in one or two main ways: at a counter, in the field, through online checkout, by invoice or on a recurring schedule. Each way points to a set of industry pages and to the RapidCents products that carry it, and the tags in the directory below follow the same split.

  • At a counter, front desk or table

    If customers pay in front of you, start with the retail, grocery, restaurant, salon and clinic pages. They cover countertop and smart Payment Terminals, Retail POS, Restaurant POS or Grocery POS where a full point of sale fits, how tips are recorded and end-of-day reconciliation.

  • In the field or at the customer's door

    If you get paid at a job site, a home visit, a delivery or an event, start with the trades, home services, courier, mobile beauty and food truck pages. They cover mobile Payment Terminals, Tap to Pay on supported iPhone and Android phones, deposits taken before the work starts and Payment Links for balances not paid on site.

  • Online checkout and bookings

    If customers pay on your website, in an app or when they book, start with the e-commerce, software and SaaS, digital products, online learning and ticketing pages. They cover Online Payments, Hosted Checkout, the Payment Gateway API, 3D Secure and Fraud Prevention for card-not-present orders, and cards saved with the customer's permission for later charges.

  • Invoices, purchase orders and trade accounts

    If you bill other businesses, start with B2B & Wholesale, the professional services pages, the trades and the wholesale supplier pages. They cover Invoicing with a payment link on each invoice, Virtual Terminal for card details given by phone, purchase order references, deposits and balances, and commercial cards. Offering a card or bank payment option does not change the terms you agreed with your buyer.

  • Recurring billing, memberships and installments

    If customers pay on a schedule, start with the membership, fitness, childcare, coworking, subscription box and alarm monitoring pages. They cover Recurring Payments with automated retries and Account Updater, cards stored only with the customer's authorization, and installment schedules, which are collection schedules, not financing. The customer agrees to the amount, timing and cancellation terms before the first charge.

Find your industry

How the industry pages are organized

The directory brings all 199 industry pages together in one place. Each page belongs to a sector, such as healthcare and wellness, trades and contractors, or food and hospitality, and links to related pages in that sector. Among them are 40 specialist pages for businesses that collect money differently from their broader sector, and 40 wholesale supplier pages for businesses that sell to other businesses.

  • Sectors and related industries

    Industry pages are grouped into sectors such as healthcare and wellness, trades and contractors, food and hospitality, retail and personal care, membership and recurring, and professional and B2B. Every page links to related industries with similar payment patterns, so you can compare businesses that collect money the same way before you settle on one page.

  • Specialist pages under a broader page

    Specialist pages cover businesses that collect money differently enough from their broader sector to need their own page: Auto Repair Shops and Tire Shops under Automotive, Orthodontic Practices under Dental Clinics, Pizza Restaurants under Restaurants, Nail Salons under Salons & Spas, and Locksmiths under Home Services. The broader page lists its specialists, and each specialist links back to it.

  • Wholesale supplier pages under B2B & Wholesale

    Forty supplier pages sit under B2B & Wholesale, grouped by what the supplier sells: healthcare and laboratory; foodservice and food distribution; business consumables and packaging; industrial and trade supplies; building materials; industrial materials; vehicle, equipment and agriculture supply; and technology, office and merchandise. They are written for the supplier collecting invoices, deposits and account balances from business customers.

  • Supplier or end business: pick your side

    Suppliers selling to clinics, restaurants or contractors have their own pages, separate from the businesses that collect from their own customers. A dental distributor belongs on Dental Suppliers, while a clinic taking patient payments belongs on Dental Clinics. The same split applies to Restaurant Suppliers and Restaurants, and to Plumbing Supply Wholesalers and Plumbing Contractors.

  • Gas Stations

    Fuel retailers have their own Gas Stations page. In-store checkout on RapidCents payment terminals is the starting point. Pay-at-the-pump and forecourt controller or dispenser connections depend on your exact equipment, and your RapidCents representative will walk you through the options. Fleet cards work through the specific programs we support. Oil & Energy remains the page for fuel delivery invoices and energy field services billed on account.

  • EV Charging Stations

    Charge point operators and site owners who collect the money have their own EV Charging Stations page. Guest payment by terminal, kiosk or web checkout is set up around your deployment. Because the final amount is known only when a session ends, we agree the flow from authorization to final charge with you before launch, and your representative matches it to your charger platform, vendor and version.

What every industry page covers, and how to compare providers with it

Every industry page follows the same structure, so you can compare providers on the same facts. It lists the industry's payment jobs, follows the main workflows through real situations, names the software common in the industry and how RapidCents connects to it, sets out what drives cost under interchange-plus pricing, and gives the steps to switch, including what happens to stored cards and open invoices.

  • Payment jobs and real situations

    Each page names who pays, what triggers each charge, how it is collected and what record finance gets, then follows the main workflows through the situations that come up: declines, partial payments, refunds and disputes. Use that list as a checklist, and ask each provider you compare how it would handle every job.

  • Software connections

    Each page names the software common in that industry. RapidCents integrates with many major platforms through APPIE and RapidBridge, and RapidBridge ships ready-made detection packs for 178 web-based business applications, so payments post inside the software you already use. The right option depends on your vendor and version; your RapidCents representative will walk you through it. Payments can also run standalone and reconcile from reports.

  • Cost drivers under interchange-plus

    Interchange is set by the card networks and varies with card type, such as debit, credit, premium or commercial, and with how the card is taken: tapped or inserted versus keyed or online. RapidCents passes it through at cost and adds your markup, set out in your Fee Schedule, plus fees for equipment or services, if applicable. Agreements are month to month, with no fixed term.

  • Switching and reconciliation

    Once your account is approved, switching follows the steps on your industry's page: list stored cards, recurring schedules, open invoices and pending refunds; test a sale, a refund and a deposit before moving live payments; map payment references to your software; and reconcile deposits to your ledger. Moving stored card tokens between processors needs both providers to agree, so plan to collect cards again where they cannot move.

  • A section for your country

    Each page includes a section for the country of your merchant account, covering the debit and bank payment methods available there, the settlement currency and local points worth knowing. Your RapidCents representative will show you what is enabled on your account before you build a workflow around any method.

Payment options for businesses in Canada

Across industries, a business in Canada can take Interac debit and Visa, Mastercard and American Express credit in person, card payments online, by link or by phone, and EFT bank payments through pre-authorized debit (PAD) where enabled, all settled in CAD. Which methods fit depends on how your industry gets paid, and which are active depends on your merchant account.

  • Interac debit at the counter

    In stores, restaurants, clinics and salons, customers often pay with Interac debit by chip and PIN or contactless tap on a RapidCents payment terminal. Debit and credit cost differently under interchange-plus pricing, so an industry where most tickets are paid by debit has a different cost profile from one paid mostly by credit.

  • EFT and PAD for invoices and recurring billing

    Suppliers, property managers, clubs and other businesses that bill on a schedule can collect by EFT under a signed pre-authorized debit (PAD) agreement, where bank payments are enabled on your account. A returned debit can arrive days after the payment was submitted, so wait for funds to clear before you mark an invoice or installment paid.

  • GST/HST, provincial tax and records

    GST/HST, and provincial sales tax such as QST in Quebec where it applies, appear on receipts and invoices as your POS or invoicing software calculates them. The payment record carries the total charged and settles in CAD; tax filing stays with your accounting.

Questions before you choose an industry page

My industry is not listed. Can RapidCents still process payments for me?

Usually, yes. The industry pages describe the payment patterns RapidCents sees most often; they are not a complete list of the businesses we serve. The Acceptable Use Policy is the document that decides which activities RapidCents does not process for and which need a review before they can process. If your activity is not named on any page, ask before you apply, and describe what you sell, how customers pay and when you deliver.

Is pricing different by industry?

The pricing model is the same in every industry: interchange-plus. Interchange is set by the card networks and passes through at cost, and your RapidCents markup is set out in your Fee Schedule, plus fees for equipment or services, if applicable, month to month with no fixed term. What differs by industry is the interchange itself, because it varies with card type and with how cards are taken. A restaurant tapping debit cards and a wholesaler keying commercial cards pay different totals for that reason. Fee Check shows the split on your current statement.

How do I choose an industry page when my business fits several?

Start with the payment job that brings in most of your revenue, then read the pages for your other jobs. A contractor that invoices builders and also sells at a counter may use both the trades and retail pages, and a specialist page, such as Orthodontic Practices under Dental Clinics, fits better than its broader page when its workflow matches yours. When you apply, describe every activity rather than the closest-sounding category, because onboarding classifies the business from what it actually does.

Which payment options can a business in Canada offer?

A business in Canada can offer Interac debit and Visa, Mastercard and American Express credit in person, card payments by Payment Link, Hosted Checkout or Virtual Terminal, recurring card charges with the customer's authorization, and EFT bank payments by pre-authorized debit (PAD) where enabled, all settled in CAD. A business in the United States works with credit and debit cards, including PIN debit where supported, and ACH bank payments settled in USD instead. Which methods are switched on depends on your merchant account and what you sell, and your RapidCents representative will set them up with you during onboarding.

Does being listed in the directory mean my business will be accepted?

A listing shows how payments work in your industry; your application is reviewed on its own. Underwriting looks at what your business actually sells, how and when it delivers, its refund terms, whether payments repeat and its processing history, not at the industry label.

Which industries face extra underwriting or a reserve?

Industries where the card networks see more chargeback risk get a closer review: deferred or future delivery, subscriptions and memberships, travel and high average tickets. A reserve may be required in some of these cases; the KYC policy and clause C.7 of the Services Agreement describe when one applies and how it is held. Underwriting judges your actual delivery timing, refund terms and ticket sizes, so two businesses in the same industry can be treated differently.

Does RapidCents onboard cannabis or gambling businesses?

No. RapidCents does not onboard cannabis businesses, licensed or not, including dispensaries, producers and sellers of CBD or hemp-derived products, and it does not onboard gambling businesses of any kind: casinos, sports betting, lotteries, poker and any game of chance or skill played for money or a prize of value. Holding a license does not change that. On this site, the Gaming page means video games and gaming applications only, and the Acceptable Use Policy lists every prohibited and restricted activity.

Can RapidCents connect to the software my industry uses?

RapidCents integrates with many major platforms through APPIE and RapidBridge, so most businesses keep the software they run today. RapidBridge takes RapidCents payments inside web-based business software, and APPIE lets the point-of-sale software you already use drive RapidCents terminals. For accounting, settled transactions, fees and refunds connect to QuickBooks Online and Xero, and SAP and NetSuite import settlement files. The right option depends on your vendor and version; tell your RapidCents representative which system you use, and they will walk you through it.

Can one account cover several locations or lines of business?

Several locations, yes. Multi-Location gives each location its own merchant ID with staff permissions and roll-up reporting, so sales and deposits can be read per site or together. A second brand or a materially different line of business is another matter: you disclose it to us under clause G.1 of the Services Agreement before it processes on the account. Tell onboarding about every activity at the start.

Take the next step

See what you pay to accept cards today

Upload a recent processing statement to Fee Check. It separates the interchange on your card mix from the markup you pay now, so you can compare a RapidCents interchange-plus quote on the same payments, whatever your industry.

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