Respond with evidence, on time
Answer disputes with the evidence already in your account
Chargeback Protection turns a dispute deadline into a process. When a dispute is raised, RapidCents sends an alert while there is still time to respond, assembles the transaction, authorization and available delivery or service detail into an evidence pack, and tracks what is due across open cases. For businesses in Canada, confirm the service terms on your merchant account.
- Deadline alerts
- Evidence assembled for you
- Win-rate reporting
- PCI DSS Level 1
- SOC 2 Type II
- Canadian support
- Interchange-plus available
- All major cards: Visa, Mastercard, Amex, Discover, UnionPay, Diners Club & Interac Debit
Who it's for
Online sellers
Card-not-present disputes are the most common.
Subscription businesses
Recurring billing attracts recognition disputes.
High-volume merchants
Disputes need a process, not ad-hoc responses.
Core capabilities
Dispute alerts
Know a dispute exists while there is still time to respond.
Evidence packs
Transaction, authorization and delivery detail assembled into a response.
Deadline tracking
See what is due and when across open disputes.
Reason-code guidance
Understand what the issuer is actually asking for.
Outcome reporting
Track win rate by reason code to decide what to contest.
How it works
A dispute is raised and an alert is sent.
RapidCents assembles the transaction evidence.
You review, add context and submit before the deadline.
The outcome is recorded against the dispute.
Win-rate reporting shows which reason codes are worth contesting.
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 Chargeback Protection
Capabilities on the same account, so the parts below connect without a second integration or a second contract.
A merchant works a RapidCents dispute case on the dashboard, with the original terminal sale still on the desk. Dispute management
Every chargeback, its deadline and its evidence pack in one queue.
Explore
A cardholder completes 3-D Secure on RapidCents checkout, so the issuer can authenticate the online payment. 3-D Secure
Issuer authentication on online payments, which shifts fraud chargeback liability.
Explore
The Payment Attempts screen, shown with sample data: the host response for each attempt, then the fraud analysis behind it — decision, suspect score out of 100, IP address and location, visitor ID, browser, operating system and device. Fraud prevention
More than 180 signals checked on every payment attempt in under a second, and a fraud score you decide on.
Explore
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.
Explore
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.
Cards, currencies and settlement in Canada
What a RapidCents account in Canada accepts, the currencies it settles in, and when the money arrives.
Cards and methods accepted
Visa, Mastercard, American Express, Discover, UnionPay and Diners Club cards from any country, plus Interac Debit, Apple Pay, Google Pay and EFT/PAD bank payments, on one merchant account.
137+ currencies, settled in CAD or USD
Process in CAD, USD, EUR and 137+ currencies, and deposit payouts directly into your Canadian CAD bank account or your Canadian USD bank account, so USD sales are not converted twice.
Next-business-day funding and reconciliation
Batches close nightly and deposits arrive the next business day, based on cut-off times and eligibility, with deposit-level reporting in one RapidCents dashboard.
From our founder
How RapidCents Can Guarantee Lower Chargebacks
Our founder explains the RapidCents Chargeback Reduction Guarantee: how a qualified merchant’s chargeback rate is measured against its own verified history, and what it takes to qualify.
Read Mani Rahnama’s articleThe Future of Payments Is Not Another Payment Processor
Our founder on why chargeback protection belongs inside the payment infrastructure: in-house models, dispute activity across the RapidCents network, and full visibility of every transaction’s path.
Read Mani Rahnama’s article
Questions about Chargeback Protection
Can every dispute be won?
No. Some reason codes are rarely winnable, which is why outcome reporting matters: it shows where a response is worth the effort.
How much time do I have?
Deadlines are set by the card networks. Alerts and deadline tracking exist so a response is not missed.
What evidence is included?
Transaction, authorization and available delivery or service detail, plus anything you add.
Does prevention help?
Yes. Fraud Prevention and 3-D Secure reduce how many disputes reach this stage.
How is this different from Fraud Prevention?
Fraud Prevention screens transactions before they settle and so reduces how many disputes ever arrive. Chargeback Protection handles the ones that arrive anyway: the alert, the evidence pack, the deadline and the outcome.
Can I add my own evidence to the pack?
Yes, and it is usually what decides the case. RapidCents assembles the transaction, authorization and available delivery or service detail; you review it, add the context only your business has, and submit before the deadline.
Who gets the alert and who is allowed to respond?
You decide. Role-based access with audit trails controls who can see a dispute and who can submit a response, so a case is neither answered twice nor left with someone who never saw the alert.
What does responding to a dispute cost?
Each chargeback case carries a fee that the card network sets and charges. The alerts, evidence assembly and tracking come with your RapidCents processing account, which is priced interchange-plus, with your RapidCents markup, stated in your Fee Schedule, and fees for equipment or services, if applicable.
How do I know which disputes are worth contesting?
Win-rate reporting by reason code shows it. Every outcome is recorded against its dispute, and reason-code guidance explains what the issuer is actually asking for, so the decision to contest rests on your own results rather than a guess.
Related products
The Payment Attempts screen, shown with sample data: the host response for each attempt, then the fraud analysis behind it — decision, suspect score out of 100, IP address and location, visitor ID, browser, operating system and device. Fraud Prevention
RapidCents checks more than 180 signals on every payment attempt in under a second — the device, IP…
ExploreA merchant works a RapidCents dispute case on the dashboard, with the original terminal sale still on the desk. Disputes
RapidCents disputes centralizes chargeback notifications, response deadlines and evidence upload in…
Explore
The RapidCents payments screen: gross volume, payment count, acceptance rate and refunds across the top, a filterable transaction list below, and a money timeline on the right tracing one payment from capture to planned payout. Merchant Dashboard
The RapidCents merchant dashboard gives owners, managers and finance staff a single signed-in view…
Explore
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
