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.
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.
Find 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.
See if you qualify
No credit pull. No obligation.