Bank-to-bank collection
Collect larger invoices directly from a bank account
ACH and EFT bank payments debit a customer's bank account directly instead of charging a card, which suits recurring and high-value invoices where a percentage card fee costs materially more. RapidCents captures and stores the customer's mandate before the first debit, runs one-off or scheduled debits on agreed dates, notifies the customer beforehand, and applies a configurable retry schedule when a debit fails. Bank payments settle into the same deposit reporting as card volume.
- Suited to high-value invoices
- Mandates on file
- Reported beside card volume
- PCI DSS Level 1
- SOC 2 Type II
- Canadian support
- Interchange-plus available
- All major card brands: Visa, Mastercard, Amex, Interac debit
Who it's for
B2B invoicing
Collect large invoices without card interchange.
Memberships and dues
Predictable recurring debits from a bank account.
Property and services
Rent, retainers and scheduled service billing.
Core capabilities
Mandate capture
Collect and store authorization before the first debit.
Scheduled debits
Run one-off or recurring debits on the dates you agree with the customer.
Retry handling
Failed debits follow a retry schedule with clear status reporting.
Reconciliation
Bank payments settle into the same deposit reporting as card volume.
Customer notifications
Customers receive notice before a debit is taken.
How it works
Collect the customer's authorization and bank details securely.
Schedule a one-off debit or a recurring series.
RapidCents submits the debit on the agreed date.
Failed debits follow the retry schedule you configure.
Settlement and status appear in the merchant dashboard.
Dashboard and reporting
Transactions, deposits and exceptions visible in the RapidCents merchant dashboard.
Try it, edit values and click buttons
Merchant dashboard
- Today
- $4,218
- Deposits
- $12,482
- Disputes
- 2 open
- In-person
- $842
- Online
- $1,104
- Virtual terminal
- $392
Demonstration data only
Integrations
Merchant dashboard
Every transaction, deposit and exception lands in one dashboard.
APIs and webhooks
Connect the product to your own software with REST APIs and signed webhooks.
Partner connectors
Certified connectors for common POS, ERP and commerce platforms.
Works with ACH / Bank Payments
Capabilities on the same account, so the parts below connect without a second integration or a second contract.
The RapidCents recurring payments screen showing active subscriptions, monthly recurring revenue, failed payments and upcoming renewals, above a list of subscriptions with their plan, amount, frequency and next billing date. Recurring payments
Schedules, subscriptions and instalments billed from a stored credential.
Explore
The RapidCents invoices screen: outstanding, overdue, paid and draft totals across the top, the invoice list below them, and a preview of one invoice on the right with its line items and a View & Record Payment button. Invoicing
Send an invoice that carries its own payment page and reconciles itself.
Explore
A RapidCents customer profile holds saved cards and invoices, so a return visit can be charged without re-keying the card. Customer profiles
One customer record holding contact details, stored credentials and payment history.
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A merchant reviews RapidCents reports for volume, mix and payouts, with the terminal that took the sales on the desk. Reporting and reconciliation
Deposit-level detail that ties settlements back to the transactions behind them.
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A RapidCents API request and its response on a developer workstation, with the merchant dashboard and a test terminal. RapidCents APIs
REST endpoints for payments, customers, refunds and reporting.
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Security
PCI DSS Level 1
Processing runs on PCI DSS Level 1 audited infrastructure.
Tokenization
Card data is replaced with tokens, keeping raw credentials out of your systems.
Role-based access
Permissions and audit trails control who can see and do what.
Implementation
Discovery
A Canadian specialist reviews how your business gets paid today.
Configuration
Accounts, users and settings are prepared before you go live.
Testing
Run test transactions and confirm reporting before cutover.
Launch and support
Go live with training materials and post-launch support.
Pricing
Transparent pricing
Pricing depends on volume, card mix and configuration. Fee Check compares your current statement before you commit to anything.
Questions about ACH / Bank Payments
When are bank payments better than cards?
On large or recurring invoices, where a percentage card fee costs materially more than a bank debit.
Do I need the customer's permission?
Yes. A mandate is captured and stored before any debit is submitted.
What happens when a debit fails?
It follows the retry schedule you configure, and the status is visible in the dashboard.
Can I run cards and bank payments together?
Yes. Both settle into the same reporting so finance reconciles once.
What exactly is a mandate, and how is it collected?
A mandate is the customer's authorization to debit their account. It is collected with the bank details on a secure surface, stored before the first debit is submitted, and kept on file for the life of the arrangement.
How is this different from recurring card billing?
Recurring card billing charges a stored card token, so it depends on the card staying valid and carries a percentage fee. A bank debit pulls from the account under a mandate. Both can run on the same account and land in the same deposit reporting.
Can my accounting or ERP system connect to it?
Yes. Bank payments are reachable through the same REST APIs and signed webhooks as card volume, and certified connectors exist for common POS, ERP and commerce platforms, so finance reconciles one set of deposits.
How does the cost compare with taking a card?
Card acceptance is priced as a percentage of the transaction, which is why it grows with the invoice. A bank debit is the cheaper instrument on large or repeating invoices. Your own pricing depends on volume, card mix and configuration; Fee Check compares your statement without a commitment.
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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.
- No obligation
- Canadian payment specialists
- Secure statement upload
