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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

Subscriptions and installments

Automate subscriptions, memberships and installment billing

Recurring Payments is for businesses in the USA. US membership or subscription business managing scheduled charges and customer changes; distinguish billing orchestration from credential updates. The sections below separate the workflow, the control and its limit, and the account facts to confirm before you rely on them.

  • Automated billing on custom schedules
  • Smart retry and card updater reduce involuntary churn
  • Customer email alerts before each charge
Get StartedView Pricing
RapidCents recurring payments dashboard with subscriptions and renewals.
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.
  • Network card updater
  • SOC 2 Type II
  • Configurable retry windows
  • Cancellation self-service option
  • Revenue export for accounting

Who it's for

  • SaaS and membership businesses

    Bill monthly or annual plans on autopilot.

  • Dental and healthcare practices

    Run treatment payment plans across multiple visits.

  • Insurance and agency renewals

    Charge policy premiums on renewal dates.

Core capabilities

  • Flexible intervals

    Weekly, monthly, quarterly or custom cadence.

  • Trial and setup fees

    Initial charge then recurring after trial ends.

  • Dunning retries

    Retry failed cards on day 3, 7 and 14 with alerts.

  • Card updater

    Automatically refresh expired cards when issuers participate.

  • Proration

    Adjust mid-cycle plan changes with calculated credits.

How it works

  1. Create plan with amount, interval and retry policy.

  2. Customer vaults card at signup checkout or link.

  3. Engine schedules next charge date automatically.

  4. Failed charges enter retry queue with notifications.

  5. Successful cycles export to revenue reports.

Recurring billing workflows

  • Monthly SaaS renewal

    Vault charges on anniversary with email receipt.

  • Ortho payment plan

    Twelve equal installments after deposit collected.

  • Failed card recovery

    Updater refreshes PAN; retry succeeds without customer call.

  • Plan upgrade mid-cycle

    Proration credit applied; new amount on next bill.

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

  • Stripe Billing migration

    Import existing subscription schedules.

  • Accounting revenue recognition

    Export MRR and deferred revenue reports.

  • Customer portal

    Optional self-service cancel and update card.

Works with Recurring Payments

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

Security

  • Consent capture

    Document recurring authorization at signup.

  • Pause and cancel audit

    All subscription changes logged with user.

  • PCI vault

    Cards tokenized; staff never see full PAN.

Implementation

  • Plan design

    Map SKUs to billing intervals and retry rules.

  • Signup flow

    Add vault step to checkout or payment link.

  • Notification templates

    Customize pre-charge and failed payment emails.

  • Reporting setup

    Configure MRR export for finance.

Pricing

  • Recurring transaction rates

    Each successful cycle bills at your card-not-present rate. No per-subscriber platform fee on core plans.

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

    Follow a US membership from an approved signup and stored-method consent through a scheduled charge, receipt and plan change. The practical view covers supported intervals, trial/setup fees and proration only if validated. Keep the core focus on billing operations, linking credential refresh and vault details separately. 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. Recurring Payments does not, by itself, prove delivery or win a dispute.

  • The problem and the limit

    Show cancellation, failed charges, customer notices and audit history. In practice, actual retry limits and customer outreach; avoid promising recovered revenue or using a generic retry schedule as universal behavior. Have legal review consent and renewal/cancellation wording for the offered US models. 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. Recurring Payments does not, by itself, prove delivery or win a dispute.

  • What to confirm

    Before you rely on this, confirm US account eligibility, card or bank methods, USD schedules, time zones, fee rules and available customer self-service. Distinguish recurring authorization from one-off payments. State updater participation and bank-payment enrollment as separate conditions rather than automatically included capabilities. 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. Recurring Payments does not, by itself, prove delivery or win a dispute.

Questions about Recurring Payments

Can customers update their card?

Yes via payment link or optional customer portal.

Pause subscriptions?

Merchants can pause plans without canceling vault token.

Annual vs monthly?

Both supported with independent retry policies per plan.

Tax on recurring?

Tax amounts can be fixed per plan or passed from your catalog API.

How does RapidCents keep subscriptions collecting when a card is reissued or expires?

Account Updater refreshes stored credentials where the issuer participates, so the billing schedule continues on the same token. Notices go out on days three, seven and fourteen if a cycle still needs a follow-up. Anything that still needs a person appears in a queue with history, so the team can send a current payment link rather than cancelling the plan.

How do customers change or cancel a subscription?

A card can be updated through a payment link or an optional self-service customer portal. Merchants can pause a plan without destroying the vault token, so a subscriber who returns does not have to re-enter a card. Every pause, cancel and change is logged with the user who made it.

How can a USA business set up recurring billing with RapidCents?

For a business in the USA, the practical view covers approved enrollment, consent, stored method, schedule and confirmation steps with supported intervals. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.

What happens when a recurring payment fails?

For a business in the USA, in practice, actual retry settings, notices, updater conditions and escalation; no guaranteed recovery or universal retry cadence. This depends on the approved USA account setup and does not remove the merchant's own records or dispute duties.

How can customers cancel or change a subscription?

For a business in the USA, state verified customer/staff controls, timing and record retention; legal must approve disclosures and cancellation obligations. 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 Recurring Payments

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
  • Secure statement upload