COMPARISON MODEL
Comparison Methodology
RapidCents publishes comparisons de pago processors y es one de el processors being compared. El answer a ese conflict es un scoring model published en advance: nine criteria con published weights, fixed antes de any provider es scored y never reweighted because un result fue unwelcome. Precios comes desde first-party provider sources, each recorded con el date it fue verified, y dónde un provider publishes no price el comparison records ese rather than estimating one. RapidCents gets no better score para owning el site.
- Precios transparency — 20 points
- Total cost visibility — 15 points
- Contract flexibility — 10 points
- Pago methods y workflows — 10 points
Try it, edit values and click buttons
API request
POST /v1/payments
{
"amount": 24900,
"currency": "USD",
"capture": true,
"metadata": { "order_id": "4821" }
}Response
Click "Send request" to see the API response
Processing payment…
201 Created
{ "id": "pay_7xK2m", "status": "approved", "amount": 24900 }Demonstration data only
El scoring model — 100 points across nine criteria
Precios transparency — 20 points
Whether el provider publishes its Precios en all, whether intercambio interbancario es separated desde el provider’s markup, whether el schedule de monthly, estado de cuenta, terminal y ancillary comisiones es published, y whether un comerciante could compute un effective rate desde qué es published. El heaviest weight en el model, because un price un comerciante cannot see es el largest single source de unexpected procesamiento cost.
Total cost visibility — 15 points
Whether cost stays visible después de signing: itemized estados de cuenta, depósito-level breakdowns, advance notice de comisión changes, y contracargo, PCI, non-compliance, gateway y termination charges disclosed rather than discovered. Distinct desde Precios transparency, que es Acerca de el quote; este es Acerca de el estado de cuenta ese arrives afterwards.
Contract flexibility — 10 points
Term length, automatic renewal, early termination liability, arrendamiento de equipo Términos y whether they son separable desde el procesamiento agreement, y qué un comerciante actually has a do a leave. Weighted because este es dónde el cost de choosing wrongly es set.
Pago methods y workflows — 10 points
El methods un comerciante puede genuinely accept en el relevant market y el workflows around them: tarjeta present y tarjeta no presente, domestic debit, banco pagos, pago links, invoicing, facturación recurrente, reembolsos, partial captures y pre-authorizations.
Hardware — 10 points
Device range y availability, whether hardware es bought, rented o leased, whether devices son locked a el provider, certification status, y qué happens a el estate cuando el relationship ends.
Integration depth — 10 points
APIs, SDKs, hosted y proceso de pago integrado options, documented webhooks, entorno de pruebas (sandbox) quality, plugins para common platforms, y whether un developer puede evaluate el integration desde el documentation sin booking un sales conversation first.
Funding y conciliación — 10 points
Liquidación timing y el conditions attached a it, depósito-level reporting, whether un depósito puede ser traced back a la transacciones y comisiones behind it, export formats, y multi-location o multi-entity views dónde el comerciante needs them.
Seguridad y compliance — 10 points
Published validation status, tokenización y vaulting, qué el integration does a el comerciante’s own PCI scope, authentication options, y whether seguridad y compliance documentation es published rather than supplied solo en request.
Independent user evidence — 5 points
Qué comerciantes report publicly y consistently across independent venues. Weighted lightly y deliberately: review volumes son gameable, unevenly distributed entre large y small providers, y rarely verifiable, so este criterion puede adjust un comparison but must never decide one.
Rules ese apply a cada comparison
Criteria son fixed antes de scoring
El nine criteria y su weights son set antes de any provider es assessed y son no changed para un individual comparison. UN model ese moves a fit its own results es no un model.
Precios comes desde first-party sources, con un date
UN provider’s own Precios page, comisión schedule o Términos, recorded con el date it fue verified. Third-party summaries y aggregator listings son no evidence de un competitor’s price, however widely they son repeated.
Unpublished es recorded as unpublished
Dónde un provider does no publish un figure, el comparison says so instead de estimating. Declining a publish un price es un finding Acerca de transparency, no un invitation a guess en el provider’s behalf.
RapidCents es scored like everyone else
El same nine criteria, el same evidence standard, y no adjustment para being el publisher. Dónde un competitor scores higher en un criterion, el page states it en el same place it would state el reverse.
Models son compared, no rates
Comparisons describe Precios y contract structures, que son stable y publicly documented, rather than quoting specific rates, que change sin notice y would date el page within un quarter.
Placement es no para sale
No provider pays a ser included, excluded, ranked o positioned, y no advertising es placed inside comparison content. El commercial revelación de información policy states el commercial interest ese exists regardless.
Cada comparison carries un review date y un correction route
El date el sources were last verified es visible en el page, y any provider o reader quién puede evidence un error uses el corrections policy — el same route, en el same Términos, para everyone.
Related policies
Commercial disclosure
Why un comparison written por un competitor needs un published model.
ExploreFact-checking policy
Why a competitor's own page outranks any article about it.
ExploreCorrections policy
El route un provider uses a challenge un score.
ExploreCompare processors
El comparisons este model produces.
ExploreCompare POS platforms
El same model applied a point-de-sale platforms.
ExploreEditorial policy
Quién reviews un comparison antes de it publishes.
Explore
Questions Acerca de este policy: Comparison Methodology
Do providers pay a appear, o a rank higher?
No. There es no paid inclusion, no paid placement y no sponsored position en any RapidCents comparison. Inclusion es decided por whether un provider es un realistic alternative para el comerciante el page es written para, y por nothing else.
Why no publish competitors’ actual rates?
Because un rate es un perishable fact y un comparison page es un durable one. Rates change sin notice, vary por comerciante profile y son frequently negotiated, so un page quoting one es wrong shortly después de it publishes y misleading until someone notices. El Precios model es stable, so el model es qué es compared, y su own estado de cuenta es qué settles su rate.
UN provider says un score es wrong. Qué happens?
El same thing ese happens para anyone else: el corrections policy. Evidence changes un score — un updated first-party source, o un documented error en un scoring input. Un objection sin evidence does no, y neither does un commercial relationship en either direction.
Does RapidCents ever score lower than a competitor?
Yes, en individual criteria, y el comparison says so en el page. UN published model ese never produced un unfavourable result para its own publisher would ser evidence ese el model es no actually being applied.
Cómo often son comparisons re-verified?
Each comparison carries el date its sources were last verified, y ese date es qué un reader should judge its freshness por. Verification es repeated en el review cycle y whenever un provider changes un published source ese un scoring input depends en.
Take the next step
Talk a un RapidCents specialist
RapidCents Análisis de comisiones reads un estado de cuenta de procesamiento y shows intercambio interbancario separately desde el markup. Upload un estado de cuenta para un instant breakdown, o open una cuenta de comerciante y start accepting pagos en one cuenta.
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- Payment specialists, not a call centre
- Secure statement upload
