Stored payment methods
Keep customer payment methods on file without holding card data
The Secure Card Vault stores a customer's tokenized payment methods against their record, so staff can charge a returning customer and customers can check out again without re-entering a card. RapidCents holds the credential; the vault holds the token. A customer can keep more than one method with a default, the authorization to store it is recorded, roles decide who may charge a stored method, and expired or removed methods are cleaned out of the record.
- Card on file, safely
- Faster repeat checkout
- Permissioned access
- 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
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
The customer authorizes storing their payment method.
The method is tokenized and attached to the customer record.
Staff or software charge the stored method when authorized.
The customer can be sent a link to update the method.
Expired methods are refreshed or removed.
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 Secure Card Vault
Capabilities on the same account, so the parts below connect without a second integration or a second contract.
A stored RapidCents token stands in for the card number, with the terminal that captured the original credential beside it. Tokenization
Card numbers are replaced by a token, so nothing reusable is stored in your systems.
Explore
RapidCents refreshes a stored card after a reissue, so the vaulted credential keeps working without asking the customer again. Account Updater
Refreshes stored cards when they expire or get reissued, so repeat billing keeps working.
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.
Explore
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
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.
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.
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, with the same permission rules that apply to staff in the dashboard.
Is there a charge for keeping cards on file?
The vault is part of the RapidCents account rather than a per-card subscription. Processing pricing is quoted on the account, interchange-plus or bundled, and varies with volume, card mix and configuration.
Related products
A stored RapidCents token stands in for the card number, with the terminal that captured the original credential beside it. Payment Tokenization
Tokenization exchanges a card number for a reference your software can store and reuse. Repeat…
ExploreRapidCents refreshes a stored card after a reissue, so the vaulted credential keeps working without asking the customer again. Account Updater
Cards expire, get reissued and get replaced after fraud. Account Updater refreshes stored…
ExploreA RapidCents customer profile holds saved cards and invoices, so a return visit can be charged without re-keying the card. Customer Profiles
A customer profile ties together transactions, stored payment methods, subscriptions and disputes…
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.
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- Canadian payment specialists
- Secure statement upload
