Payment processing for Canadian businesses, everywhere they sell
RapidCents is a Canadian payment processor for in-person, online, mobile and integrated payments. Connect terminals, checkout, payment links, reporting and your own software through one secure account, on interchange-plus pricing, with dedicated account management and a team you can reach whenever you need a person — including from a busy counter.
$100.00
Ready for card
Tap, insert or swipe
Processing securely
Encrypted authorization
Approved
Payment complete
Connected commerce
Payment approved
$100.00 · •••• 4242
Payment link
Coffee order
$100.00
pay.rapidcents.com/rc100
Payment link
$100.00
Live activity
Invoice
Create payment link
Create invoice
Read payment status
Receive approval event
AI agent payment processing enabled
Illustrative workflows via RapidCents MCP Server and Payments API.
A sample $100.00 payment is approved on a RapidCents Gen2 terminal, appears in the merchant dashboard, becomes a payment link and an invoice on laptop and mobile, then connects to illustrative OpenAI, Claude, Grok and Gemini workflows through the RapidCents MCP Server and Payments API.
Act 1 of 3. A terminal payment is approved.
- 100% Canadian-Owned & Operated
- Registered Payment Service Provider (PSP)
- PCI DSS Level 1 · SOC 2 Type II
- Enterprise Infrastructure · In-Store · Online · API · AI
- Dedicated Account Management
What would you like to improve?
RapidCents is a Canadian payment processor for in-person, online, mobile and software-integrated payments. Choose the change you want first: compare processing costs on interchange-plus, add terminals or online checkout, connect payments to existing software, or embed payments in a product you sell.
- Lower my payment costsCompare your current statement with interchange-plus pricing and see potential savings.
- Accept payments in more waysAdd terminals, Tap to Pay, online checkout and payment links through one platform.
- Connect payments to my softwareIntegrate POS, ERP or booking systems with APIs, webhooks and sandbox testing.
- Build payments into my platformEmbedded and platform payment tools for software companies and marketplaces.
About 2 minutes · fully self-serve
Two minutes to see which of your fees are actually negotiable
Fee Check reads one processing statement and separates the interchange every provider pays identically from the markup on top — the only part of your rate that can actually move. Most statements blend the two together, so you never see where one ends and the other begins.
- Upload one recent processing statement. A full month is the most representative.
- Fee Check reads the fee lines and separates the interchange every provider pays identically from the markup on top.
- Your estimate comes back before you are asked for the rest of your business details.
- No phone call
- No obligation
- Nothing to install
Fee Check activity
Ma•••••, a grocery store in Toronto, ON
Owner Mike B••• just checked their statement.
Annual saving quoted
$2,874
Chargebacks reduced by 31%
Illustrative examples, not customer records. Business and surname masked, figures are samples within a typical range and are not a binding quote. Your own result comes from your statement.
One dashboard for every payment channel
Track in-person, online and keyed transactions, deposits and disputes across locations without switching portals.
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
One connected payment ecosystem
The RapidCents platform is one merchant account covering terminals, Tap to Pay, online checkout, payment links, a virtual terminal, recurring billing and a single dashboard. Hardware, online tools and reporting settle together instead of through separate processors.
The RapidCents Rivo Go on a counter, the flagship of the Rivo line of countertop, mobile and compact card terminals. Payment Terminals
Countertop, mobile and smart terminals with chip, contactless and PIN.
Explore
A café worker holds a phone running RapidCents Tap to Pay, showing an $18.75 sale and the contactless symbol, while a customer holds a Visa card to the screen. No separate card reader is present. Tap to Pay
Turn compatible phones and tablets into contactless acceptance devices.
Explore
A payment-gateway integration desk: API response on screen, RapidCents terminal ready for a test sale. Payment Gateway
Authorize, capture and settle online and integrated transactions.
Explore
A RapidCents hosted checkout page at checkout.rapidcents.com, with the order summary and totals on the left and the card fields on the right, footed by SSL and PCI DSS assurances. Hosted Checkout
Secure, branded checkout pages without building payment UI from scratch.
Explore
The RapidCents payment links screen listing created links with their amount, status, click count and whether they have been paid, beside a phone showing the branded page a customer opens to pay $2,500.00. Payment Links
Send pay-by-link requests by SMS or email for invoices and deposits.
Explore
The RapidCents payments screen: gross volume, payment count, acceptance rate and refunds across the top, a filterable transaction list below, and a money timeline on the right tracing one payment from capture to planned payout. Merchant Dashboard
Settlements, reporting, disputes and multi-location visibility.
Explore
The RapidCents virtual terminal: payment details, card number, expiry and CVV keyed by hand on the left, with a payment summary on the right showing the amount, the estimated processing fee and a Process Payment button. Virtual Terminal
Key-entered and mail-order payments from any browser.
Explore
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. Recurring Payments
Subscriptions, memberships and scheduled billing with retry logic.
Explore
The hardware
Terminals your staff can pick up and use
Three models, one platform. The same rates, the same dashboard and the same next-day deposits whichever one sits on your counter — so the decision is about the room it lives in, not about what it can do.
Compare the three terminals
Take the next step
See what you could save on processing
RapidCents Fee Check reads a recent merchant statement and separates network interchange, which every provider pays identically, from the processor markup. Upload a statement for a complimentary analysis, or start Fee Check for a no-obligation estimate from your own numbers.
- No obligation
- Payment specialists, not a call centre
- Secure statement upload
Why merchants switch to RapidCents
Merchants typically leave a processor when they cannot see the markup, rates increase without notice, chargebacks arrive too late to contest, a switch forces new hardware, or support does not know the account. RapidCents itemizes interchange-plus pricing, screens disputes before they are lost, keeps compatible POS in place through APPIE, and puts every channel in one dashboard with a named account manager.
| CompareCapability | RecommendedRapidCents | LegacyTypical reseller |
|---|---|---|
| You cannot see the markup | Interchange-plus, itemized | One blended rate |
| Your rate crept up | No surprise markup increases | Increases with little notice |
| Chargebacks arrive already lost | Screened before the dispute | Fought after the fact |
| Switching means a new POS | APPIE™ keeps compatible POS in place | New hardware, new integrations |
| Nobody knows your account | One named account manager | Whoever takes the ticket |
| Four portals, four logins | One dashboard, every channel | A portal per product |
| Your dashboard cannot answer a question | Ask Centa™ in plain language | Export it and work it out |
Side-by-side comparison for illustration. Your profile may qualify for additional RapidCents capabilities.
Recognised by the industry
Each badge links to the issuer's own record. Where an issuer publishes no per-winner page, the link goes to the awarding body and the awards page says so.
- 15+
- Years serving businesses
- 1B+
- Transactions processed
- 99.97%
- Platform uptime (last 12 months)
- < 21 min
- Average support response time
Built for how your industry gets paid
RapidCents payment processing is configured by how the business gets paid, not by a generic merchant package. Restaurants, retail, healthcare, hotels, automotive, professional services, home services and software each use a different mix of terminals, online checkout, invoicing and reporting.
Restaurants
Tableside, bar tabs, tips and multi-location reporting.
Retail
Countertop terminals, e-commerce and inventory-linked reporting.
Healthcare & Dental
Patient payments, HSA cards and compliant receipt workflows.
Hotels & Hospitality
Deposits, folio charges and multi-property settlement.
Automotive
Service deposits, repair orders and keyed phone payments.
Professional Services
Invoices, retainers and recurring client billing.
Home Services
Mobile Tap to Pay and pay-by-link in the field.
Software & SaaS
Embedded payments and platform revenue share models.
Developer platform
Production-ready APIs for software teams
The RapidCents APIs let software teams build payment flows directly into their own products, using REST endpoints, signed webhooks, SDKs and a full sandbox with test cards and simulated settlement events. Documentation is tested against live interfaces, not theoretical examples.
- Sandbox with test cards and simulated settlement events
- Webhook signatures and idempotent payment creation
- Integration guides for POS, e-commerce and mobile
- Dedicated developer support channel
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
What you can check before you sign anything
Before you sign a merchant agreement with RapidCents or any processor, you can verify the effective rate from your own statement, confirm interchange is printed separately from the markup, see whether every channel reports in one dashboard, and test the integration in a sandbox.
Your real effective rate, from your own statement
Upload a recent statement and Fee Check returns total fees over total volume, the interchange split, and the markup line by line. It is arithmetic on your numbers, not a quoted rate.
Interchange-plus is available, not just advertised
Interchange is set by the card networks and is identical for every provider. Asking to see it separated from the markup is the only way to compare two offers honestly, and RapidCents statements are structured to show it.
One dashboard covers every channel
Terminal, online, keyed and recurring volume settle into the same reporting, so reconciliation does not mean opening three portals and matching them by hand.
A sandbox you can test before committing
Test cards, simulated settlement and signed webhooks are available to your developers before any contract, which is the fastest way to find out whether an integration will actually fit.
Security and compliance you can verify
RapidCents processes card payments as a PCI DSS Level 1 service provider, with tokenization and encrypted transport. Canadian privacy law — PIPEDA and the provincial privacy statutes — applies to personal information about people in Canada, wherever it is processed. Security documentation for due diligence is published in the Trust Centre.
PCI DSS Level 1
Cardholder data protected through tokenization and encrypted transport.
Canadian privacy law
PIPEDA and the provincial privacy statutes apply to personal information about people in Canada, wherever it is processed.
Trust Centre
Security documentation available for enterprise due diligence and RFPs.
Common questions
What is RapidCents?
RapidCents is a Canadian payment technology company that provides terminals, online payments, payment links, reporting and software integrations through one connected platform. We serve merchants, developers and enterprise operators across Canada and the United States, and a merchant registered in either country can accept payments from customers anywhere in the world.
Does RapidCents support interchange-plus pricing?
Yes. RapidCents offers transparent pricing models including interchange-plus, so businesses can see network interchange fees separately from the processor markup. Exact rates depend on volume, card mix and acceptance methods.
How long does switching take?
Most merchants complete migration in 1-3 weeks depending on terminal count, integrations and statement cutover timing. A RapidCents specialist guides equipment setup, testing and go-live.
Is Fee Check a binding quote?
No. Fee Check provides a no-obligation estimate based on your business profile. A binding quote requires statement review and confirmation of your card mix, volume and equipment needs.
Take the next step
Ready to explore clearer payment economics?
RapidCents publishes interchange-plus pricing and a statement-based Fee Check so merchants can compare processing costs before they apply. Start with Fee Check, upload a recent statement, or book a no-obligation consultation with a Canadian payment specialist.
- No obligation
- Payment specialists, not a call centre
- Secure statement upload
