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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

Subscriptions and installments

Automate subscriptions, memberships and installment billing

Recurring payments bill a customer automatically on a schedule against a stored, tokenized payment method. RapidCents supports weekly, monthly, quarterly or custom intervals, trial periods, setup fees and proration on plan changes, retries a failed charge on a set schedule and emails the customer before each charge. For businesses in Canada, confirm consent records, currency and settlement.

  • 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.

Cards, currencies and settlement in Canada

What a RapidCents account in Canada accepts, the currencies it settles in, and when the money arrives.

  • Cards and methods accepted

    Visa, Mastercard, American Express, Discover, UnionPay and Diners Club cards from any country, plus Interac Debit, Apple Pay, Google Pay and EFT/PAD bank payments, on one merchant account.

  • 137+ currencies, settled in CAD or USD

    Process in CAD, USD, EUR and 137+ currencies, and deposit payouts directly into your Canadian CAD bank account or your Canadian USD bank account, so USD sales are not converted twice.

  • Next-business-day funding and reconciliation

    Batches close nightly and deposits arrive the next business day, based on cut-off times and eligibility, with deposit-level reporting in one RapidCents dashboard.

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.

Can I move existing subscriptions from another provider?

Yes, existing subscription schedules can be imported. The stored card credentials are a separate step with both providers, because tokens do not transfer between platforms. Plan the cutover around a billing date so no subscriber is charged twice or missed.

How is recurring billing priced?

Each successful cycle is priced as a card-not-present payment on your account: interchange and card network fees at cost, plus your RapidCents markup, stated in your Fee Schedule, and fees for equipment or services, if applicable. The agreement has no fixed term.

Can a plan start with a trial period or a setup fee?

Yes. A plan can take an initial charge, such as a setup fee, and start recurring billing once the trial period ends. A mid-cycle plan change is prorated, with a calculated credit applied and the new amount on the next bill.

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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  • No obligation
  • Canadian payment specialists
  • Secure statement upload