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92
Toronto, Canada Growth / Private

Transparent Unified Payment Processing

RapidCents • Led by Mani Rahnama

🔒 Confidential
COI SCORE 92 VERIFIED

🔬 The Innovation Core

The Pain Point

Canadian SMEs and high-risk merchants face 'hidden fee fatigue' and slow settlements (2-7 days) from global aggregators like Stripe/Square, often lacking local phone support when funds are frozen.

The Solution

A transparent, all-in-one payment gateway offering 'Next Day Funding' and a 'No Hidden Fees' promise. They commoditize the tech stack (Virtual Terminal + Gateway) while differentiating on high-touch service and vertical-specific integrations (Hospitality/Retail).

⚡ Verified Impact

● Validated
Next Business DaySettlement Speed
4.4/5 (G2 Crowd)Customer Satisfaction
99.99%Uptime
Winner: CIO Awards Canada 2025Recognition
CERTIFICATION

Gold Standard

TRL 9/9

📊 Market Traction

Revenue History ($M)

Market Share

🧠 Analyst Verdict: Regional Challenger

"RapidCents has secured market traction by positioning itself as the 'Merchant-First' alternative to Stripe in Canada. Their win at the **CIO Awards Canada 2025** validates their tech stack, while their focus on 'Next Day Funding' solves a critical liquidity pain point for SMEs that global giants often overlook."

✅ Pros

  • Cash Flow Velocity: 'Next Day Funding' is a standard feature, outperforming the rolling delays of competitors.
  • Cost Transparency: 'Interchange-plus' pricing eliminates the opaque markup common in flat-rate models.
  • Service Moat: Live, phone-based account management is a key retention driver against bot-supported giants.

⚠️ Risks

  • Ecosystem Gap: Significantly fewer pre-built integrations (marketing/ERP) than the massive Stripe marketplace.
  • Developer Tools: 'Rapid.js' is functional but lacks the granular customizability of Stripe Elements.
  • Geographic Focus: Primary traction is limited to Canada/North America, limiting global scale.

🛠️ Use Cases

💡
Hospitality Payments

Integrated 'Fusebox' support for hotel property management systems (PMS).

💡
Virtual Terminal

Securely processing MOTO (Mail Order/Telephone Order) payments for remote services.

💡
Subscription Billing

Automated recurring billing with tokenized card storage.

Market Maturity

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Marketing brochures look the same for TRL-3 (Concept) and TRL-9 (Proven) tech. Our radar cuts through the noise, showing you exactly if this innovation has crossed the "Pilot-to-Production" chasm.

9

Commercial Grade

Fully audited operational history. Ready for scale.

6

Prototype / Pilot

Functional in relevant environments. High risk, high reward.

Current Maturity Status

TRL Score 9.0 / 9.0
  • check_circle Technology validated in lab (TRL 4)
  • check_circle System prototype demonstration (TRL 7)
  • check_circle Actual system proven in operations (TRL 9)
Transparency

Forensic Evidence Chain

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View Sample Audit Report →

Technical Diligence

> Architecture Review: PASS
> Security Audit: ISO 27001
> Scalability Test: 10k TPS

Customer Verification

> Client Interview: #8821
> Deployment Status: LIVE
> ROI Confirmed: 18% Savings

Certification Issued

STATUS: VERIFIED verified

Enterprise Action Center

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🛡️
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