The interchange-plus model is a more detailed and flexible approach to credit card processing rates. In this model, businesses are charged the interchange fee set by the card networks (such as Visa or Mastercard) plus an additional markup or percentage fee set by the payment processor. The interchange fee is the non-negotiable fee that goes to...

The name of the merchant as it appears in a transaction record serves as the primary identifier that the merchant uses to communicate its identity to customers. In cases where the full merchant name is not typically shown to customers, the shorter, advertised version should be utilized for Visa receipts and processing. If a merchant's name exc...

When you encounter the transaction message "PICK UP CARD," it's essential to recognize that this is a decline notification sent by the customer's bank. This message signifies that the customer's bank is rejecting the transaction for specific reasons.Common Causes for "PICK UP CARD" ErrorThe "PICK UP CARD" error message typically arises due to ...

If you've forgotten your username or password for your RapidCents account, don't worry. We can help you regain access. Forgotten Username or Email Address?The username for your RapidCents account is the email address that was used to register the account. Check your inbox for any RapidCents emails to confirm the email address you signed up wi...

If you've recently migrated your customer data to a new RapidCents account, you'll need to make sure the settings are properly configured for the new account to function like the previous one. Start by adding your team members to the new account and assigning the appropriate user roles. Then, update your server(s) to use the new RapidCents acc...

When registering for a RapidCents account or changing your password, your password must not be an English dictionary word, a common name or surname, a statistically common password, a chain of repeated characters or numbers (e.g. “99999999”), a sequence of characters or numbers (e.g. “abcdefgh” or “01234567”) or a date (e.g. “12.23.1996”). Ple...

When you receive an email about an unrecognized login session, it is important to review your RapidCents sessions and take appropriate action. You can view information on past logins and sign out of any that seem suspicious. To add an extra layer of security, we recommend enabling two-step authentication. This will require a unique code, sent ...

Ensure that your customers can easily identify your payments by keeping your business information and statement descriptor text up-to-date. This information will be visible on their card statements or in email receipts sent by RapidCents. When you activate your account, you will be asked to provide your business name and website URL, business ...

RapidCents provides a set of test card numbers to simulate payment scenarios in test mode, without processing actual payments or charges. When entering a test card number, you can use any future expiration date and any three-digit CVC code to simulate a successful payment. To simulate a failed payment, use the specific test card numbers and CV...

Test ModeLive ModeAs you construct your integration, leverage test mode and the test API keys associated with it. This way, card networks and payment providers will not process any payments.Utilize test credit cards and accounts for the purpose of testing; real payment methods and accounts are not supported.When you're prepared to launch your ...