Your payments
should scale.
Not break.
We define your risk before you process — not after you grow.
No sudden shutdowns. No holds. No guessing.
Kadima structures the payment operations, risk, gateways, and receivables workflows behind growing businesses — before the cracks show.
Takes 60 seconds. No commitment.
How Kadima fits into
your business.
Kadima connects what most processors leave disconnected — merchant accounts, gateways, billing, risk controls, reporting, and receivables.
Designed around how businesses actually move money.
Why this matters
- Reduce shutdown risk
- Support recurring billing
- Improve payment visibility
- Simplify receivables workflows
- Connect payments into existing systems
- Scale without rebuilding your stack
You don't control
your payments.
You think you do — until something changes.
You were approved — until you started growing.
Your best month becomes a red flag.
You don't know your real limits — until you hit them.
One spike — funds get held.
You're operating inside someone else's model.
By the time you realize it — your money is already locked.
This isn't random. It's how their risk model is designed.
We define your risk upfront — so growth never triggers holds, limits, or shutdowns.
No sales calls. No pressure. Just a decision.
Secure Your ProcessingTakes 60 seconds. Approval in 24–48 hours.
How approvals actually work →Payments are only one
part of the system.
Most businesses don't just need a merchant account. They need underwriting, gateways, billing, reporting, and customer experience working together. Kadima brings those pieces into one payment operations strategy.
Merchant Accounts
Structured for your business model, volume, risk profile, and growth path.
Gateway & Routing
Connect through the right gateway stack for CNP, ACH, recurring, invoicing, or platform workflows.
Workflow Tools
Use payment links, invoicing, recurring billing, QuickBooks sync, and automated collection flows through tools like RapidPayLink.
Risk & Continuity
Reduce shutdown risk by defining limits, documentation, reserves, and processing strategy upfront.
Payment infrastructure
for the way your business actually operates.
Merchant accounts, gateways, ACH, card-not-present, invoicing, dual pricing, and risk strategy in one stack — designed to support growth, not bottleneck it.
Card Not Present
Most processors weren't designed for phone orders, recurring charges, or keyed-in transactions — and the decline rates prove it. Kadima handles CNP natively with multi-gateway routing and built-in chargeback controls.
Explore CNP processingACH & Bank Transfers
ACH shouldn't be complicated. Kadima delivers streamlined bank-to-bank transfers with real-time verification, automated reconciliation, and transparent settlement — typically within 3–5 business days, with full visibility at every step.
Explore ACH solutionsMobile & Digital Wallets
Customers abandon carts when their preferred payment method isn't available. Kadima supports Apple Pay, Google Pay, and all major wallets — no extra integrations required.
See supported walletsGlobal Payments
Losing international sales because your processor can't handle foreign currencies or local payment methods? Kadima processes in 150+ currencies with dynamic conversion built in.
See global capabilitiesFraud Prevention
Chargebacks don't just cost you the transaction — they put your entire merchant account at risk. Kadima's adaptive risk engine reduces fraud losses while keeping legitimate approvals high.
Learn about fraud toolsHigh-Risk Processing
If you've been declined, shut down mid-cycle, or told your industry "isn't supported" — that's the problem Kadima was built to solve. Dedicated accounts for nutraceuticals, CBD, firearms, adult, gaming, travel, and 50+ regulated verticals.
Explore high-risk processingConnect to anything.
Deploy in days.
Built around connectivity. Gateway, CRM, ERP, accounting, checkout, payment link, or custom workflow — Kadima connects payments into the systems your business already runs on.
API-First Architecture
RESTful APIs with full SDKs, webhooks, and hosted payment pages. Integrate once, connect everywhere.
200+ Gateway & Platform Connectors
Pre-built connections to NMI, Authorize.Net, Fiserv, Shopify, WooCommerce, CardPointe, TSYS, and more.
CNP & High-Risk Ready
Structured for card-not-present environments with specialized MCC codes for high-risk verticals.
Smart Multi-Gateway Routing
Intelligent failover and load balancing across acquiring banks optimizes approval rates — especially critical for high-risk merchants.
Built for the verticals
others won't touch.
Most processors use a one-size-fits-all model that falls apart the moment your business doesn't fit a clean category. Kadima underwrites by vertical — so your account is structured for how you actually operate.
Retail & POS
Terminal downtime and slow batch settlements cost you sales and trust. Kadima keeps your in-store, tap-to-pay, and omnichannel processing reliable.
E-Commerce
Cart abandonment from clunky checkouts and false declines is revenue you never recover. Kadima's hosted checkout and embedded payments are built to convert.
SaaS & Subscriptions
Failed recurring charges and involuntary churn silently erode your MRR every month. Kadima handles dunning, retry logic, and usage-based billing natively.
High-Risk Verticals
Declined by your last processor? Account frozen without warning? Kadima specializes in the verticals others reject — nutraceuticals, CBD, firearms, adult, gaming, travel, and more. Domestic and offshore.
Marketplaces
Multi-sided platforms need split payouts, seller KYC, and managed settlement — not a basic gateway with workarounds. Kadima is built for platform complexity.
Hospitality
Pre-auths, tip adjustments, and multi-currency guests create edge cases that generic processors fumble. Kadima handles hospitality payment flows without the friction.
Connected to your
entire stack.
Seamless integrations with the platforms, gateways, and tools you already use. If it has an API — we can connect it.
Need a specific integration? If it has an API, webhook, or data layer — we can connect it.
Talk to an Integrations Specialist
Accounts receivable,
reimagined.
RapidPayLink replaces manual invoicing with transaction-based payment requests. Direct QuickBooks integration, recurring billing, dual pricing, and multi-channel delivery — all from one dashboard.
RapidPayLink is where Kadima's payment infrastructure becomes visible — AR workflows, QuickBooks sync, recurring billing, dual pricing, and real-time tracking in one operational layer.
- QuickBooks Sync
- Recurring Billing
- Text / Email / QR
- Dual Pricing
- Real-Time Dashboard
- Transaction Lifecycle
Security & Compliance
Accepted Networks
Your current processor
isn't built for this.
Most processors only solve the transaction. Kadima looks at the full environment — how you get approved, how payments route, how customers pay, how funds settle, how disputes are managed, and how your systems connect. That's the difference between basic processing and payment infrastructure.
Built for businesses scaling beyond basic processors.
Find out if
you qualify.
Not every business is the right fit — and we'd rather be upfront about it. Tell us about yours and we'll let you know where you stand within 24 hours.