Legal
The policies, terms and compliance documents that govern RapidCents services. Each document states the date it takes effect and the date it was last revised.
Documents
RapidCents Services Agreement
The RapidCents Services Agreement: interchange-plus pricing, no fixed term, no early termination fee, from a PSP and PayFac that owns its payment stack.
ExploreAcceptable Use Policy
The businesses RapidCents will not process for, those that need written approval first, the conduct rules every merchant follows, and what a breach triggers.
ExplorePrivacy Policy
How RapidCents collects, uses, shares, retains and protects personal information, your rights under PIPEDA and Quebec’s Law 25, and how to exercise them.
ExploreCookie Policy
RapidCents website cookies: what runs by default in the US and Canada outside Quebec, what is asked first elsewhere, each item set, and how to turn it off.
ExploreAccessibility Statement
The RapidCents accessibility statement: the WCAG 2.2 Level AA target, what has been implemented, how conformance is tested, and how to report a barrier.
ExploreElectronic Communications Consent
Electronic communications consent: what RapidCents delivers through the Dashboard and by email, when a notice is deemed received, and how to get a paper copy.
ExploreDeveloper Terms
RapidCents Developer Terms: API credential issuance, no secret keys in client code, sandbox use and rate limits, webhook verification, and PCI DSS scope.
ExploreData Processing Addendum
The RapidCents Data Processing Addendum: where RapidCents is a processor and where a controller, subprocessors, transfers, breach notice and audit rights.
ExploreSubprocessors
What a subprocessor is, the categories RapidCents engages, the due diligence required before one is engaged, and how to get the list or object to a change.
ExploreVulnerability Disclosure Policy
The RapidCents vulnerability disclosure policy: what is in scope, the safe harbour for good-faith research, testing that is out of bounds, and how to report.
ExploreKnow Your Customer and Anti-Money-Laundering Policy
What RapidCents verifies before and after opening a merchant account: business identity, beneficial owners, sanctions screening and ongoing monitoring.
ExploreRefund and Cancellation Policy
How to refund a customer through RapidCents: to the original card, what a refund costs, when the credit reaches the cardholder, and how to close an account.
ExploreTrademark and Brand Usage Policy
How the RapidCents name, logo and APPIE may be used: the uses that need no permission, the uses that need written permission, and how to report misuse.
ExploreFee Disclosures
RapidCents fee disclosures: interchange-plus only, every fee category explained, no early termination fee and no minimum term, and why a quoted rate is an estimate.
ExploreHardware Terms
RapidCents hardware terms: ownership, month-to-month rental with no minimum term, care, warranty, the 15-day return window, return condition and damage charges.
ExploreFinancial Services Terms
RapidCents financial services terms: balances and payouts, expedited payouts, bank-to-bank payments, currency conversion, and why a balance is not an insured deposit.
ExplorePayment Methods Products
Terms for each RapidCents payment method: credit and debit cards, PIN debit routing, digital wallets, card on file and recurring billing, bank transfers, links, invoices and refunds.
ExploreInstant Merchant Statement Review Terms
How the RapidCents instant statement review works, what it tells you in three to five minutes, what you may upload, what RapidCents keeps, and the limits of a quote.
ExploreIntegration Partner Program Agreement
RapidCents Integration Partner Program Agreement: integration scope, certification, merchant attribution, revenue share and clawback, compliance and termination.
ExploreAffiliate Partner Program Agreement
RapidCents Affiliate Partner Program Agreement: approved placements, link tracking and attribution, commission and clawback, disclosure duties, and termination.
ExploreMerchant Referral Agreement
RapidCents Merchant Referral Agreement: how to submit a referral, consent and professional duties, attribution window, referral fees and clawback, and conduct rules.
Explore
Frequently asked questions
Which document is the actual contract?
The RapidCents Services Agreement, published at /legal/terms, is the agreement that governs a merchant account. The other documents on this page are either incorporated into it by a named clause — the Acceptable Use Policy at clause B.5, for example — or explain one part of it in more detail. Where a summary page and the Agreement differ, the Agreement governs.
Does RapidCents charge a cancellation or early termination fee?
No. Clause A.4 of the Services Agreement states it as policy and clause F.1.2 states it as a term: there is no early termination fee and no penalty for closing an account, at any point in the term. The Refund and Cancellation Policy sets out what is and is not owed when an account closes.
How do I know which version of a document applies to me?
Every document carries an effective date and a last-updated date in its header. The version in force on the date of the event you are asking about is the one that applies. Material changes to the Services Agreement are notified to the email address on your account, as the Electronic Communications Consent describes.
Who do I contact with a question about one of these documents?
Write to [email protected] or call +1 (844) 957-2743. For a privacy request, use the contact set out in the Privacy Policy; for a security report, follow the Vulnerability Disclosure Policy.
