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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

Agreement plus payment

Send an agreement, collect the signature and the payment together

Contracts and eSignatures sends a quote, service agreement or enrolment form for electronic signature and collects the deposit or first payment in the same flow. The customer signs by email or link, the signature is recorded with a timestamp and signer details, and RapidCents keeps the signed record with the payment reference. For businesses in Canada, confirm currency and settlement.

  • Signature and payment in one step
  • Audit trail on file
  • No separate signing tool
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RapidCents contract and e-signature screen on a laptop beside a payment terminal.
A merchant sends a RapidCents contract for e-signature with payment attached, terminal ready for an in-person counterpart.
  • 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

  • Professional services

    Retainers and engagement letters with a deposit.

  • Trades and contractors

    Quotes accepted with a deposit before scheduling.

  • Programs and enrolment

    Forms that end in a first payment.

Core capabilities

  • Document send

    Send an agreement for signature by email or link.

  • Electronic signature

    Capture a signature with timestamp and signer details.

  • Payment on signing

    Collect a deposit or first payment at the moment of signature.

  • Templates

    Reuse standard agreements instead of rebuilding each time.

  • Audit trail

    Keep the signed record and payment reference together.

How it works

  1. Prepare the agreement from a template.

  2. Send it to the customer for signature.

  3. The customer reviews and signs electronically.

  4. The deposit or first payment is collected in the same flow.

  5. The signed record and payment reference are stored together.

Dashboard and reporting

Transactions, deposits and exceptions visible in the RapidCents merchant dashboard.

Watch how it works…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 Contracts & eSignatures

Capabilities on the same account, so the parts below connect without a second integration or a second contract.

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.

Questions about Contracts & eSignatures

Is the signature legally recognized?

Signatures are captured with timestamp, signer identity details and an audit record of the signing session.

Can I take payment without a signature?

Yes. Payment on signing is optional and can be turned off per document.

Do I need a separate e-signature subscription?

No. Signature and payment are handled in the same RapidCents flow.

Can I reuse agreements?

Yes, templates let you send the same agreement repeatedly with different customer details.

Can I take a deposit rather than the full amount?

Yes. The signing step can collect a deposit or a first payment instead of the whole balance, and the remainder can be billed afterwards through invoicing or a payment link tied to the same customer.

What is kept on record about the signer?

The signature is captured with a timestamp, the signer's identity details and an audit record of the signing session. That record stays attached to the payment reference, so the agreement and the money it produced are not held in two places.

How is the payment taken at signing priced?

Like any other card payment on your account: interchange and card network fees at cost, plus your RapidCents markup, stated in your Fee Schedule, and fees for equipment or services, if applicable. Upload a current processing statement to Fee Check to see interchange shown separately from the markup.

Which documents can go out for signature?

Quotes, service agreements and enrolment forms, the documents that usually end in a payment. A firm sends a retainer or engagement letter with a deposit, a contractor sends a quote the customer accepts with a deposit before scheduling, and a program sends an enrolment form that ends in a first payment.

Can agreements and payments flow into software we already use?

Your RapidCents representative will show you how your systems connect. The connection runs through REST APIs and signed webhooks, which link contracts and their payments to your own systems. Every transaction, deposit and exception also lands in the merchant dashboard.

Related products

Industries that run on Contracts & eSignatures

See all industries

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
  • Canadian payment specialists
  • Secure statement upload