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

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

E-commerce and remote acceptance

Secure online payment acceptance for e-commerce

Online Payments is for businesses in the USA. US merchant comparing remote acceptance channels; use this as the channel overview and direct API detail to the gateway page. The sections below separate the workflow, the control and its limit, and the account facts to confirm before you rely on them.

  • Gateway, hosted checkout and links in one account
  • 3-D Secure and tokenization built in
  • Webhooks for order and fulfillment automation
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
  • 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

    Card-not-present rates apply to online transactions. Interchange-plus pricing available for qualified merchants.

For businesses in the USA

A direct answer for a business in the USA: the workflow, the limit, and what to confirm next.

  • The payment workflow

    Help a US merchant choose a store checkout, customer request link or embedded application flow. Give a concrete scenario and implementation effort for each. Link the detail pages instead of duplicating gateway endpoints or every payment-page feature. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Online Payments does not, by itself, prove delivery or win a dispute.

  • The problem and the limit

    In practice, trusted payment confirmation, approved data handling, fraud controls and refunds across supported channels. Define authorization, capture and settlement simply. Avoid conversion, approval-rate or universally included-security promises without evidence and account-level scope. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Online Payments does not, by itself, prove delivery or win a dispute.

  • What to confirm

    Before you rely on this, confirm US eligibility and methods for each channel, currencies and USD settlement. Name website/software prerequisites and pricing differences. Keep remote methods distinct from card-present terminal capabilities even where transactions appear in the same dashboard. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. Online Payments does not, by itself, prove delivery or win a dispute.

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?

US dollars 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.

Which online payment option fits my USA business?

For a business in the USA, compare hosted checkout, links, pages and embedded components by customer journey and implementation effort. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.

Can online and in-person payments be managed together?

For a business in the USA, state validated US account/reporting structure, underwriting and settlement exceptions; do not promise every channel needs no review. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.

What do I need before accepting online payments?

For a business in the USA, list approved account, website/policy, integration and testing requirements plus method/currency and pricing review. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.

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.

  • No obligation
  • Payment specialists, not a call centre
  • Secure statement upload