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NewChargeback Protection + Fee Intelligence for high-volume merchants. Get a savings analysis and a review of your dispute handling.See how it works
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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.

See how it works
Fee Check

E-commerce and remote acceptance

Secure online payment acceptance for Canadian e-commerce

Online payments are card-not-present transactions taken through a website, a checkout page or a payment request rather than a physical terminal. RapidCents combines gateway APIs, hosted checkout, payment links and 3-D Secure on one merchant account, with saved cards for returning customers, and online and in-person volume reconcile together. For businesses in Canada, confirm methods and currency.

  • Gateway, hosted checkout and links in one account
  • 3-D Secure and tokenization built in
  • Webhooks for order and fulfillment automation
Get StartedView Pricing
RapidCents online checkout with contact fields, card entry and order totals.
A RapidCents online checkout in a browser, with contact and card fields on the left and an order summary on the right showing the subtotal, tax and total, plus the accepted card brands.
  • PCI SAQ A eligible flows
  • SOC 2 Type II
  • Canadian currency settlement
  • Sandbox for dev testing
  • Chargeback tools included

Who it's for

  • E-commerce brands

    Shopify, WooCommerce and custom storefronts need reliable card capture.

  • B2B invoicing teams

    Send payment links for open balances after service delivery.

  • Developers building checkout

    API-first integration with idempotent payment requests.

Core capabilities

  • Multi-method checkout

    Cards, digital wallets and saved payment methods on return visits.

  • 3-D Secure 2

    Step-up authentication reduces fraud on card-not-present sales.

  • Customer vault

    Store tokens for one-click and subscription charges.

  • Partial capture

    Authorize at checkout and capture when order ships.

  • Omnichannel reporting

    Online transactions alongside in-person in one dashboard.

How it works

  1. Choose integration path, API, hosted page or payment links.

  2. Configure webhooks and test in sandbox.

  3. Enable 3-D Secure rules for your risk profile.

  4. Launch checkout on production with monitoring.

  5. Reconcile online deposits with order management system.

Online payment workflows

  • Cart checkout

    Customer pays at order confirmation with optional wallet button.

  • Pay-by-link invoice

    Finance sends link for outstanding B2B balance.

  • Subscription signup

    Vault card on first charge; recurring engine handles renewals.

  • Pre-order deposit

    Authorize partial amount; capture remainder at fulfillment.

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

  • Shopify Payments alternative

    Connect gateway to Shopify checkout.

  • WooCommerce plugin

    Drop-in plugin for WordPress stores.

  • Custom REST API

    Full control for bespoke storefronts and marketplaces.

Works with Online Payments

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

Security

  • Hosted fields option

    Card data never touches merchant servers.

  • Fraud scoring

    Velocity and AVS checks on CNP transactions.

  • Token lifecycle

    Rotate and delete stored tokens on customer request.

Implementation

  • Integration planning

    Map checkout UX to API or hosted approach.

  • Sandbox certification

    Complete test cases before production keys.

  • Webhook setup

    Configure order paid and refund events.

  • Go-live checklist

    3-D Secure, receipts and support contacts verified.

Pricing

  • Online processing rates

    Online transactions are priced on interchange-plus, like every transaction: card-not-present interchange and card network fees at cost, plus your RapidCents markup, stated in your Fee Schedule, and fees for equipment or services, if applicable.

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 Online Payments

Hosted checkout or API?

Hosted reduces PCI scope fastest. API offers full UX control for dev teams.

Digital wallets supported?

Apple Pay and Google Pay available on supported checkout configurations.

Recurring billing included?

Yes via customer vault and recurring payments product.

Multi-currency?

Canadian dollar settlement is standard. Contact us for cross-border requirements.

What is the difference between card-present and card-not-present pricing?

A card read by a terminal carries less fraud risk than a number typed into a web form, and the card networks price the two differently. Online sales are card-not-present, so they cost more per transaction. 3-D Secure and AVS checks are how a merchant reduces the risk that comes with the channel.

Will 3-D Secure make customers abandon checkout?

3-D Secure 2 sends risk data with the authorization, so most transactions pass without the customer seeing anything and a challenge appears only when the issuer wants one. That is the trade: a step-up on a minority of orders in exchange for lower fraud and a stronger position on disputed transactions.

Can I connect an existing online store instead of building checkout?

Yes, where your platform is supported. A plugin adds RapidCents to an existing store, the gateway can connect to an ecommerce platform's own checkout, and hosted checkout pages work from any stack that creates a session on the server. The REST API covers bespoke storefronts and marketplaces.

How do I know an online order was actually paid before shipping it?

Webhooks tell you. They notify your system when an authorization settles or a payment fails, so fulfillment starts from that event rather than from a customer landing on a thank-you page. Authorizing at checkout and capturing when the order ships keeps the hold and the charge in step with the goods leaving.

Can online and in-person payments be managed together?

Yes. Online transactions appear beside in-person sales in the same RapidCents merchant dashboard, with transactions, deposits and exceptions in one place, so finance reconciles both channels together.

Related products

Industries that run on Online Payments

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