Frequently Asked Questions

3D Secure

Here's how 3D Secure works:

  1. Cardholder Initiates Transaction: When you make a purchase at a retailer that uses 3D Secure, the payment gateway recognizes whether your card is enrolled in the 3D Secure program.
  2. Cardholder Authentication: If your card is enrolled, a 3D Secure page pops up from your card issuer. This could be a mobile app for some banks. Here, you'll be asked to verify your identity. This process could involve a password you've set up beforehand with your bank, or more commonly now, a one-time code sent to your phone.
  3. Authentication Result: If the authentication is successful, the issuer sends an authentication receipt to the merchant's bank. This includes an Authentication Response (ARes) and a Proof of Authentication (POA). This process is invisible to the customer.
  4. Transaction Continues: The online checkout process then continues as normal. The merchant receives authorization from the card issuer that the sale is approved.

Online Payment

A payment gateway is a vital component of any online business that wants to accept payments securely and efficiently. RapidCents is a payment gateway that offers businesses a reliable and user-friendly platform to process payments, with top-notch security measures to protect against fraud and data breaches.

With RapidCents, you can be assured that your financial information is protected with state-of-the-art encryption technology, making it the safest payment option available.

Our team of experts at RapidCents is dedicated to providing a seamless online payment experience for our clients. We use the latest technology and security measures to ensure that all transactions are processed safely and securely.

Whether you're making a one-time payment or setting up recurring transactions, RapidCents is the perfect payment method for all your needs. With its fast and secure platform, RapidCents is the best choice for anyone who wants to make payments with ease.

 At its core, RapidCents is a payment platform that simplifies the process of accepting payments online. Whether you're a small business owner or a large corporation, RapidCents offers a range of payment processing solutions to help you streamline your operations and grow your business.

Interac e-Transfer is an electronic funds transfer service widely used in Canada. It allows users to send and receive money securely through their online banking platforms. The process involves the sender initiating a transfer, specifying the recipient and amount, with the recipient receiving a notification to deposit the funds into their bank account. Known for its speed, security features, and user-friendly nature, Interac e-Transfer has become a popular choice for digital transactions in the Canadian e-commerce landscape.

Payment Processing

Step 1: Authorization - RapidCents securely sends the payment information to the card issuer for verification and approval.

Step 2: Capture - Once the transaction is approved, RapidCents captures the funds and prepares them for settlement.

Step 3: Settlement - RapidCents finalizes the transaction by transferring the funds to the merchant's account, completing the payment process.

RapidCents is a cutting-edge credit card processing system that provides businesses with a seamless and secure payment experience. With advanced features like tokenization and encryption, RapidCents ensures that your customers' sensitive data is protected at all times, while also providing you with valuable insights into your sales and revenue.

RapidCents is the gold standard in credit card processing. Our commitment to security, reliability, and customer service sets us apart from the competition and makes us the clear choice for businesses everywhere.

The credit card processing fee is a necessary cost for any business that wants to accept credit card payments. At RapidCents, we pride ourselves on offering transparent pricing and no hidden fees, so you can be confident that you're getting a fair deal.

Unlike some payment processors, RapidCents does not charge hidden fees or extra charges. Our transaction fees are straightforward and transparent, allowing our customers to budget and plan accordingly. Our rates are only 2.9% + 30¢ per transaction. Check our pricing page to know more.

 Gateway processing is a secure transaction process that enables businesses to accept online payments from customers. RapidCents offers a reliable gateway processing solution that ensures fast and secure payment processing for your business.

RapidCents is a payment processing company that provides secure and reliable payment solutions for businesses of all sizes. We help businesses accept payments from customers quickly and efficiently, while ensuring the safety and security of their financial data.

 As a leading payment solution provider, RapidCents offers a comprehensive suite of payment processing services to help businesses streamline their financial operations. Our user-friendly platform is designed to reduce the complexity of payment processing, allowing you to focus on growing your business.

RapidCents is committed to offering transparent and affordable processing fees to our Canadian customers. Our rates are competitive and based on the specific payment method used. Our simplified pricing is 2.9% + 30¢* for each transaction.

* Visit our pricing page for more details.

EMV chip technology, which stands for Europay, MasterCard, and Visa, is a global standard for secure credit card processing. It involves the use of microprocessor chips embedded in credit and debit cards. These chips generate unique, one-time transaction data, making it extremely difficult for fraudsters to clone cards or commit card-present fraud. EMV technology significantly enhances the security of payment transactions compared to traditional magnetic stripe cards, which store static data. It also often requires cardholders to enter a PIN or provide a signature for verification, adding an extra layer of protection. EMV technology has become a fundamental element of modern payment security.

A debit hold is a temporary reduction in the available balance of a bank account or on a debit card. It occurs when a financial institution sets aside a portion of the account balance to ensure that sufficient funds are available for an upcoming transaction. Debit holds are commonly used in scenarios like hotel reservations, gas station purchases, or restaurant dining, where the final transaction amount may not be immediately known. While the held funds are temporarily inaccessible, they are not yet withdrawn from the account. Once the transaction is completed, the hold is adjusted to the actual amount, and the funds become fully available again.


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