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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

API-first payments

Developer-friendly payment gateway for authorization and capture

Payment Gateway is for businesses in the USA. Developer evaluating payment APIs, lifecycle events, reliability and production integration rather than merchant channel selection. The sections below separate the workflow, the control and its limit, and the account facts to confirm before you rely on them.

  • REST API with sandbox parity
  • Idempotent requests prevent duplicate charges
  • Webhooks for async payment events
Get StartedView Pricing
Developer workstation showing a RapidCents payment-gateway request beside a blue test terminal.
A payment-gateway integration desk: API response on screen, RapidCents terminal ready for a test sale.
  • 99.9% API uptime SLA
  • Versioned API endpoints
  • PCI DSS infrastructure
  • SOC 2 Type II
  • Developer sandbox included

Who it's for

  • Product engineering teams

    Embed payments into SaaS checkout with full API control.

  • Marketplace platforms

    Split captures and manage connected merchant accounts.

  • Enterprise IT

    Server-to-server integration with audit logging requirements.

Core capabilities

  • Authorize and capture

    Two-step flow for ship-later e-commerce and rentals.

  • Idempotency keys

    Safe retries on network failures without double billing.

  • Customer tokens

    Store payment methods for subscriptions and one-click.

  • Webhook signatures

    Verify event authenticity with HMAC validation.

  • Structured errors

    Machine-readable decline codes for retry logic.

How it works

  1. Create sandbox credentials in developer portal.

  2. Implement authorize/capture against test cards.

  3. Configure webhook endpoint and verify signatures.

  4. Complete certification checklist for production.

  5. Monitor live traffic and settlement in dashboard.

Gateway integration patterns

  • Auth-then-capture ecommerce

    Hold funds at order; capture on shipment scan.

  • Immediate sale API

    Single-request sale for digital goods delivery.

  • Token-on-file billing

    Create token at signup; charge on renewal cron.

  • Partial refund API

    Refund line items without reversing entire authorization.

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

  • Server SDKs

    Official libraries for Node, Python and PHP.

  • Postman collection

    Import ready-made requests for QA teams.

  • Log aggregation

    Export API logs to SIEM via webhook forwarding.

Works with Payment Gateway

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

Security

  • TLS 1.2+

    All API traffic encrypted in transit.

  • API key rotation

    Issue and revoke keys without downtime.

  • IP allowlisting

    Optional restriction for server-to-server calls.

Implementation

  • Architecture review

    Choose hosted fields vs direct API integration.

  • Sandbox build

    Develop against test environment.

  • Certification

    Submit test transaction logs for approval.

  • Production cutover

    Swap keys with monitoring window.

Pricing

  • Gateway access

    API access included with processing account. Per-transaction interchange-plus rates apply.

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

    Walk a US developer through an approved request, response and later event matched to the order. Distinguish authorize, capture, void and refund using documented operations. Link the current reference and sandbox; this page should answer integration questions rather than repeat generic online-payment benefits. 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. Payment Gateway does not, by itself, prove delivery or win a dispute.

  • The problem and the limit

    Show tested authentication, idempotency, signed-event checks and timeout/decline handling. In practice, why a customer redirect alone does not determine fulfillment. Validate code/version behavior and require contractual or test support for uptime, SLA and sandbox-parity claims. 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. Payment Gateway does not, by itself, prove delivery or win a dispute.

  • What to confirm

    Before you rely on this, confirm US onboarding, rails, methods, currencies, production credentials, rate limits and charges. In practice, approved hosted-field and direct-data patterns with their compliance duties. An endpoint name is not proof of rail availability or unrestricted cross-border processing. 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. Payment Gateway does not, by itself, prove delivery or win a dispute.

Questions about Payment Gateway

REST or GraphQL?

REST is the supported integration surface with OpenAPI documentation.

Rate limits?

Production limits scale with volume. Sandbox has lower thresholds for testing.

Webhook retries?

Failed webhook deliveries retry with exponential backoff for 72 hours.

PCI for direct API?

Direct card posting requires SAQ D. Hosted fields reduce scope to SAQ A.

How do idempotency keys prevent duplicate charges?

You attach a unique key to a request. If the network drops before you see the response and your code retries with the same key, the gateway returns the original result rather than creating a second charge. It turns an unsafe retry into a safe one, which is the single most useful habit in a payment integration.

What language SDKs are available, and do I have to use one?

Official server libraries cover Node, Python and PHP, and a Postman collection is available for QA teams. None of them is mandatory: the gateway is a REST API with OpenAPI documentation, so any HTTP client works. The SDKs mainly save you writing signing and error-handling code yourself.

How does a USA developer start integrating the gateway?

For a business in the USA, provide the verified credential, sandbox, test and production steps, including approvals and current quickstart links. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.

How do I avoid duplicate payments after an API timeout?

For a business in the USA, in practice, actual idempotency/status behavior with a tested example; distinguish safe retry from a new charge. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.

Which events should my order system use before fulfillment?

For a business in the USA, the practical view covers documented states, event verification and reconciliation; identify the merchant’s business decision. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.

Related products

Industries that run on Payment Gateway

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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  • Payment specialists, not a call centre
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