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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

AI business assistant

Centa, the AI business assistant built into RapidCents

Centa is the AI business assistant built into the RapidCents payment platform. A merchant asks a question in ordinary language, on a supported Smart Terminal or in the merchant dashboard, and Centa answers from information the account already holds: sales and transaction activity, refund patterns, terminal and connectivity diagnostics, and available risk signals. It works inside the signed-in merchant's existing permissions, does not expose full card numbers, and hands off to human support when a problem needs a person.

  • Ask about sales, refunds and trends in plain language
  • Terminal and connectivity troubleshooting on the device itself
  • Unusual activity surfaced in language a business owner can act on
Merchant laptop showing the RapidCents dashboard with the Centa AI assistant beside a blue smart terminal.
A merchant asks Centa about payments and deposits in the RapidCents dashboard, with a smart terminal on the desk.
  • Works inside RapidCents permissions
  • No full card numbers exposed
  • SOC 2 Type II
  • Smart Terminal and dashboard
  • Hands off to human support

Who it's for

  • Owners without a back office

    Ask for the day's numbers instead of learning a reporting tool.

  • Operators mid-service

    Diagnose a terminal at the counter without leaving the queue waiting.

  • Multi-location merchants

    Compare locations and periods without opening each report in turn.

Core capabilities

  • Sales and transaction answers

    Ask what the business processed today, yesterday or across a period, and get a summary rather than a report to read.

  • Period comparisons

    Compare today with last Friday, this week with last, or one location against another where the account holds both.

  • Refund review

    Check refund counts and surface patterns that look unlike the merchant's normal activity.

  • Terminal diagnostics

    Check internet, Wi-Fi, mobile network, payment application and peripheral status on supported devices, and explain what was found.

  • Unusual activity signals

    Surface available risk signals — repeated attempts, unexpected refund patterns, transaction anomalies — for the merchant to review.

  • Plain-language explanation

    Translate decline reasons, alerts and payment terminology out of codes and into something actionable.

  • Guided hand-off

    Route the merchant to the right RapidCents support channel when a problem needs a person.

How it works

  1. Ask Centa on a supported Smart Terminal or in the merchant dashboard.

  2. Centa determines which RapidCents information or capability the question needs.

  3. It checks what the merchant's permissions allow it to see, and nothing further.

  4. It works with the authorized transaction, device or risk information available.

  5. It answers, guides the troubleshooting, or points to RapidCents support.

What merchants ask Centa

  • The morning summary

    “How did we do yesterday?” returns totals, transaction count, average sale and the busiest period in one answer.

  • The mid-service fault

    “Why isn't my terminal connecting?” checks the device and reports whether the fault is Wi-Fi, the internet link or the payment service.

  • The refund check

    “Were today's refunds higher than normal?” compares the day against the account's own recent pattern.

  • The location comparison

    “Which store performed best this month?” ranks the locations the merchant's account covers.

  • The anomaly prompt

    “Do you see anything unusual?” surfaces available risk signals worth the merchant's attention.

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

  • RapidCents Smart Terminals

    Ask Centa on the device already sitting on the counter.

  • Merchant dashboard

    The same assistant across terminals, locations and periods.

  • Reporting and reconciliation

    The transaction and settlement information Centa answers from.

Works with Centa

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

Security

  • Permission-bound answers

    Centa can reach only what the signed-in merchant is already authorized to see.

  • No full card numbers

    Sensitive cardholder data is not exposed through the conversational interface.

  • Not an open assistant

    Centa operates inside defined RapidCents boundaries rather than as a general-purpose model with access to the account.

  • Alongside, not instead of

    Centa surfaces what RapidCents risk and security systems produce; it does not replace them.

Implementation

  • Confirm device support

    Your advisor confirms which terminals in the estate support Centa.

  • Set permissions

    Decide what each role and location may ask about.

  • Start with the daily question

    Most merchants begin with the morning summary and refund checks.

  • Add troubleshooting

    Point staff at Centa before they call, for the faults it can diagnose.

Pricing

  • Centa availability

    Centa is part of the RapidCents platform on supported devices and accounts. Availability of individual capabilities depends on your terminals, account configuration and permissions. Your advisor confirms what applies to your estate.

Questions about Centa

What is Centa?

Centa is the AI business assistant from RapidCents. It is designed to work across supported RapidCents Smart Terminals and the merchant dashboard so merchants can reach sales information, reports, terminal diagnostics, payment insight, risk information and support through one conversation.

Can I talk to Centa?

On supported devices Centa is designed for a conversational experience, so a merchant can ask something like “Centa, how much did I sell today?” rather than navigating menus.

Can Centa give me sales reports?

Centa is designed to retrieve and explain available RapidCents transaction and business information from a natural-language question, including totals, comparisons, average transaction size and busiest periods.

Can Centa troubleshoot my payment terminal?

Centa is designed to assist with supported terminal diagnostics, covering areas such as internet and Wi-Fi status, mobile network availability, payment application connectivity and peripherals including the printer. What it can check depends on the device and the information available to it.

Can Centa detect fraud?

Centa works alongside RapidCents risk and security capabilities to surface available unusual-activity signals for merchant review. Fraud prevention involves several systems and controls, so Centa is part of a broader security strategy rather than a guarantee against fraud.

Can Centa monitor refunds?

Centa can help review available refund activity and identify patterns that may deserve attention, such as a day with unusually high refunds or one terminal processing more than the others.

Does it work across multiple locations?

Where merchant permissions and account configuration allow it, Centa can help compare information across supported locations, accounts and terminals.

Is Centa secure?

Centa is built for a payment environment, where access controls, permissions and protection of sensitive information are essential. It operates inside defined RapidCents security boundaries rather than as an unrestricted general-purpose assistant.

Can Centa see full card numbers?

No. Centa is designed around payment-security boundaries and does not expose sensitive cardholder information such as full payment card numbers through the conversational interface.

Does Centa replace RapidCents support?

No. Centa is intended to resolve common questions and supported troubleshooting quickly, and to direct the merchant to RapidCents customer support when a person is needed.

Is Centa only for large businesses?

No. It is designed for businesses of different sizes, including restaurants, retailers, beauty and wellness businesses, professional services and multi-location merchants.

Do I need to understand AI to use it?

No. Merchants ask questions in ordinary language. That is the point of the interface.

Which RapidCents devices does Centa run on?

Centa is available on supported RapidCents Smart Terminals and in the merchant dashboard. Not every device in an estate necessarily supports it, and individual capabilities depend on the terminal and the account configuration, so your advisor confirms which of your terminals qualify before you point staff at it.

Can I control what staff are allowed to ask Centa?

Yes. Centa answers inside the signed-in user's existing RapidCents permissions, so a cashier role does not reach information a manager role holds. Setting Centa up includes deciding what each role and location may ask about, using the same permission model that already governs the dashboard.

How is Centa different from the reports in the dashboard?

The dashboard is where you open a report and read it. Centa answers the question the report exists to answer — yesterday's total, this week against last, which location led the month — in one reply. It works from the same transaction and settlement information, so it is a faster route to the same numbers rather than a separate data set.

Does Centa cost extra?

Centa is part of the RapidCents platform on supported devices and accounts rather than a separately purchased product. Which capabilities are available depends on your terminals, account configuration and permissions, and your advisor confirms what applies to your estate.

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