Your payments should scale.
Not break.
The stable, strategic alternative to Stripe and Square — we define your risk upfront, so growth never triggers holds, limits, or shutdowns.
Five vendors.
Or one layer.
Most businesses run payments, gateways, billing, risk, and receivables as five disconnected tools — each with its own login, its own invoice, its own way to fail. Kadima is the one layer underneath all of it.
Most processors approve you — then quietly reshape the terms once you grow.
This isn't random — it's how their risk model is designed. We define your risk before you process, so the terms you sign are the terms you keep.
Payments are only one
part of the system.
Settlement, monitoring, disputes, and reporting are managed for you — not bolted on as a dashboard you have to police yourself.
Predictable settlement
Funds land on a 24–48 hour rhythm you can actually forecast against — no surprise reserves the moment volume climbs.
Active monitoring
We watch transaction patterns with you, not against you — flagging issues early instead of freezing your account first and asking questions later.
Dispute handling
Chargebacks and representments are managed by a team that knows your business model — so you stay focused on revenue, not paperwork.
Reporting that reconciles
Clean, exportable reporting that lines up with your accounting — deposits, fees, and disputes reconciled to the cent.
Infrastructure for the way
your business actually operates.
Every way money moves — card-present, online, recurring, and cross-border — handled by one provider that already knows your model.
Card-not-present, done right
E-commerce, phone, recurring, and stored-credential transactions priced and underwritten for your real volume — not throttled the day you scale past a hidden threshold.
ACH & bank transfers
Move large balances at low cost with same-vendor ACH and account-to-account rails.
Digital wallets
Apple Pay, Google Pay, and click-to-pay built in — fewer abandoned carts, higher conversion.
Global & multi-currency
Accept international cards and settle cross-border without stitching in a second processor.
Fraud & risk controls
Tunable filters, velocity rules, and 3-D Secure that protect margin without blocking good customers.
Regulated verticals
The businesses other processors won't touch — underwritten honestly, priced fairly, and supported by people who understand the vertical instead of dropping you when a rule changes.
Connect to anything.
Deploy in days.
Gateways, billing, accounting, e-commerce, and the tools you already run — 200+ integrations and counting, so switching never means rebuilding.
Keep your stack
Plug Kadima into the gateway, cart, and accounting tools you already use. No rip-and-replace.
Go live in days
Underwriting, boarding, and integration handled in parallel — most merchants are processing inside a week.
One partner to call
Gateway, processing, hardware, and support under one roof — one number, not a vendor scavenger hunt.
Built for the verticals
others won't touch.
Whatever you sell, your payments are underwritten by people who understand the business — not a model that flags you the moment you grow.
Retail & POS
Counter, mobile, and unattended terminals with hardware and gateway from one partner.
Explore retailE-commerce
Checkout, wallets, and fraud controls that hold up when a campaign goes big.
Explore e-commerceSaaS & subscriptions
Recurring billing, dunning, and stored credentials priced for predictable MRR.
Explore SaaSMarketplaces
Split payments and payouts to sub-merchants without becoming a money-transmitter project.
Explore marketplacesHospitality
Tabs, tips, and high-season volume swings handled without reserves or surprise holds.
Explore hospitalityRegulated verticals
The verticals others won't touch — underwritten honestly and supported for the long term.
Explore regulated
Flagship product
Accounts receivable,
reimagined.
Send a branded payment link, get paid faster, and reconcile automatically — Kadima's flagship AR product, built into your account.
- One-click invoicingBranded links by email or text — customers pay in seconds, no portal logins.
- QuickBooks syncInvoices and payments reconcile back into your books automatically.
- Dual pricing built inOffer cash and card pricing compliantly and protect your margin on every sale.
- Faster receivablesAutomated reminders shrink days-sales-outstanding and steady your cash flow.
Two commerce routes.
One conversation.
Whether your business needs Whop’s digital-commerce ecosystem or a dedicated merchant account, you shouldn’t have to work out which one fits on your own. Kadima evaluates how you sell, helps identify the appropriate route and guides the next steps — so you start with one team instead of navigating providers alone.
Bank-grade, by default.
Every transaction runs on the same compliance and encryption standards the largest issuers require — stated plainly, not as a fear pitch.
What Kadima does, and
who it's for.
What Kadima Payments does
Kadima provides dedicated merchant accounts with card and ACH processing, dual pricing, billing through RapidPayLink, gateway routing, chargeback support, and developer APIs — underwritten upfront and delivered as one connected layer.
Who Kadima is for
Businesses that outgrew basic processing: platforms and e-commerce brands scaling volume, SaaS with recurring billing, marketplaces, hospitality, and regulated or specialty verticals other processors decline.
How the model differs
Aggregators pool thousands of merchants on shared accounts and manage risk after the fact — which is why growth can trigger holds. Kadima boards you on your own merchant account with risk defined upfront, so your ceiling is underwritten, not guessed. Why processors shut businesses down →
Asked often.
How is Kadima different from Stripe or Square?
Stripe and Square are aggregators — you share a pooled account and their risk models react to your growth after the fact. Kadima boards you on your own dedicated merchant account with risk underwritten upfront, so scaling doesn't trigger holds, reserves, or shutdowns.
How long does approval take?
Pre-qualification takes about 60 seconds, and most applications receive an answer within 24–48 hours. Timelines depend on your business type, volume, and documentation.
Does Kadima work with businesses other processors decline?
Yes — regulated and specialty verticals are a core focus. We underwrite honestly rather than auto-declining by category, subject to review of your business model, volume, and history.
Do you support ACH and recurring billing?
Yes. ACH/bank payments, recurring and stored-credential billing, payment links, and QuickBooks-synced invoicing are available through the same account, including via RapidPayLink.
What does it cost?
Pricing is tailored to your volume, ticket size, and risk profile — and designed to be understood, including dual-pricing programs where they fit. No teaser rates, no buried line items.
Can my platform or software integrate directly?
Yes — selective API access covers embedded onboarding, payments, payment links, reporting, and signed webhooks, plus a native Medusa.js plugin. Start at Developers.
Payments, without
the spin.
What is a high-risk payment gateway and do I need one?
Kadima's founder on what actually makes a business high-risk, why the label is good news, and when to make the move.
PlaybookStripe shut you down? Here's what to do next
The exact steps to recover your funds, protect your revenue, and find a processor built for your business.
Dual pricingIs dual pricing legal? Everything you need to know
Where separate cash and card prices are legal, how the networks regulate them, and how to stay compliant.
Grow a book that doesn't churn.
Bring merchants to infrastructure that keeps them — honest underwriting, real support, and payouts you can build a business on. Kadima is founder-led and building beyond processing.
Become a partnerPayments your product can ship.
Embedded onboarding, payment links, recurring billing, signed webhooks, and a native Medusa.js plugin — on the merchant's own account, not an aggregator wrapper.
Explore developer toolsFind out if
you qualify.
Tell us a little about your business. We'll define your risk upfront and give you a straight answer — usually within 24–48 hours.
Let's talk
No credit pull. No obligation.