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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

Stored payment methods

Keep customer payment methods on file without holding card data

The Secure Card Vault stores a customer's tokenized payment methods, so staff can charge a returning customer and customers can check out without re-entering a card. RapidCents holds the credential and the vault holds the token. The authorization to store a method is recorded, and roles decide who may charge it. For businesses in Canada, confirm consent requirements.

  • Card on file, safely
  • Faster repeat checkout
  • Permissioned access
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RapidCents secure card vault screen on a laptop beside a payment terminal.
Card credentials sit in the RapidCents vault rather than in merchant software, with a terminal on the desk for new captures.
  • 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

  • Repeat-service businesses

    Charge returning customers without re-collecting a card.

  • Subscription and membership

    Hold the method that funds the plan.

  • Phone and back-office teams

    Take an authorized payment without reading numbers aloud.

Core capabilities

  • Card on file

    Save a customer's payment method for future authorized charges.

  • Multiple methods

    Hold more than one method per customer with a default.

  • Permissioned use

    Control which roles can charge a stored method.

  • Consent record

    Keep the record of the customer's authorization to store the method.

  • Vault hygiene

    Expired and removed methods are cleaned out of the record.

How it works

  1. The customer authorizes storing their payment method.

  2. The method is tokenized and attached to the customer record.

  3. Staff or software charge the stored method when authorized.

  4. The customer can be sent a link to update the method.

  5. Expired methods are refreshed or removed.

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 Secure Card Vault

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 Secure Card Vault

Do we store the actual card?

No. The vault holds a token; the credential itself stays with RapidCents.

Do we need customer consent?

Yes. Storing a payment method requires the customer's authorization, and that record is kept.

Can customers update their own card?

Yes, they can be sent a secure link to replace the stored method.

What about expired cards?

Account Updater refreshes stored credentials so charges do not fail on expiry alone.

Can a phone order be taken from a stored method?

Yes. That is one of the reasons the vault exists: a back-office or phone team charges the method already authorized on the record, so nobody reads a card number aloud or writes one down.

How is the vault different from Customer Profiles?

The profile is the whole record: payments, refunds, disputes, subscriptions, notes and references. The vault is the set of stored payment methods attached to that record, and the permissions that control charging them.

Can my software store and charge methods through the API?

Yes. Methods are tokenized on a RapidCents surface and then charged from your software through REST APIs and signed webhooks, under the same permission rules that apply to staff in the dashboard.

Is there a charge for keeping cards on file?

There is no per-card subscription: the vault is part of the RapidCents account. Card processing on that account is priced interchange-plus, with interchange and card network fees at cost, your RapidCents markup, stated in your Fee Schedule, and fees for equipment or services, if applicable.

Can a customer keep more than one card on file?

Yes. A customer can hold more than one payment method on the same customer record, with one of them set as the default, and staff charge the method the customer has authorized.

Related products

Industries that run on Secure Card Vault

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