Kadima designs and manages payment infrastructure around how your business actually operates — from processing and risk to billing, receivables and embedded payments.
Four short steps. No credit check. A real answer, not a rate sheet.
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Your business
Most businesses assembled payments one decision at a time: a processor here, a gateway there, billing in a third system, risk handled by whoever flagged it last. Each part works. None of them know about each other. Kadima designs the layer that connects them around the way your business actually runs.
Different businesses collect revenue in fundamentally different shapes. Your payment infrastructure should be built around yours, not the other way around.
Contractors, agencies and professional services, where revenue starts with an estimate long before anyone pays.
What we design around
SaaS, memberships and service plans, where the second payment matters more than the first.
What we design around
Software companies whose customers need to get paid, where payments can become part of the product and a line of revenue.
What we design around
Restaurant groups, clinics, retailers and franchises, where a new location shouldn’t mean another payments project.
What we design around
Business models where the underwriting conversation has to come before the pricing conversation.
What we design around
These aren’t industries. They’re the shapes money takes on its way into a business: a med spa and a law firm can share one, and so can a restaurant group and a dental group.
Three common shapes, and how the architecture changes underneath them.
Where getting paid starts before the payment does.
Before
With Kadima
Where payments stop being a cost line.
Before
With Kadima
Where the fifth location stops being a project.
Before
With Kadima
Illustrative architectures, not customer case studies.
From Kadima
RapidPayLink runs the receivables workflow from the first estimate to the last payment. By the time your customer agrees, the work can be signed for and their payment method already on file.
Line items, terms and expiry, with card and cash/ACH prices side by side.
Sent by email or SMS. Your customer reviews and accepts online.
They sign the estimate agreement, drawn or typed, with your terms attached.
Acceptance turns the estimate into an invoice.
Split payments on a schedule, or a charge the moment they accept.
Card or ACH, on the payment method collected at signing.
An estimate, a contract and a payment authorization are usually three documents, and money gets stuck in the gaps between them. Here they are one.
When risk is only assessed after the fact, growth itself can start to look like risk.
Many processors only take a close look at your business after something goes wrong. We would rather understand the risk in your business model before you process a dollar, so the structure you sign is built for the volume you are actually going to do.
No processor can promise you’ll never see a hold or a reserve, and anyone who does is selling you something. What we can do is define the risk before it becomes a problem, and walk you through the structure, including any reserve terms, before you sign.
A dedicated merchant account underwritten for your business, not a pooled aggregator account shared with thousands of others.
We look at the model, the volume and the seasonality before boarding, and structure the account around what we find.
Growth you told us to expect shouldn’t read as a red flag when it arrives.
Tailored to volume, ticket size and risk profile. Every fee and term, including term length and early termination, explained before you sign.
Tell us before big changes, such as a launch, a seasonal spike or a large contract, and we’ll help make sure the bank expects that growth rather than flags it.
When a chargeback arrives, our team helps you respond, and reporting is designed to line up with your books.
Stripe and Square are good products. For a straightforward business taking straightforward payments, they’re often the right answer, and if that’s still you, we’ll say so. The calculation changes as volume, billing complexity, risk exposure or operational requirements grow.
| Question | Aggregators like Stripe and Square | A dedicated setup with Kadima |
|---|---|---|
| Getting started | Minutes. Sign up and start taking payments. | Days. Your business is underwritten before you process. |
| Your account | Shared, pooled infrastructure. | Your own dedicated merchant account. |
| How risk is assessed | Continuously, and sometimes only after growth arrives. | Upfront: model, volume and seasonality, before boarding. |
| Pricing | Simple flat rates. | Tailored to volume, ticket size and risk profile. |
| Often the right fit for | Simple businesses with simple payments. | Growing volume, complex billing, platforms and regulated models. |
Aggregators pool many merchants on shared accounts and assess risk as it surfaces. That model is efficient, and it’s why onboarding takes minutes. It’s also why a business whose volume, ticket size or model changes can find the terms changing with it. A dedicated account is more work to set up and more predictable to operate. Kadima serves that transition.
A few questions about how money moves through your business. We’ll map what you have, show you where the architecture could work better, and tell you plainly if it already works.
Gateways, carts, accounting and CRM. We design payments around your stack instead of asking you to rebuild it.
Most connections run through a compatible gateway or platform. Logos belong to their owners.
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.
How your payment data is handled and who moves the money, without the fear pitch.
Hosted Fields and hosted checkout tokenize card data in the browser, so raw card numbers stay off your servers, which keeps your PCI scope small.
Card-on-file and recurring billing run on vaulted tokens, and account updater, where enabled, can refresh reissued cards automatically.
Kadima designs and manages your payments. Your merchant account is issued, and your funds are settled, by our registered processing partner and its sponsor banks. Kadima is not a bank.
Kadima designs and manages payment infrastructure around how a business gets paid: dedicated merchant accounts with card and ACH processing, dual pricing, estimate-to-payment workflows through RapidPayLink, gateway selection, chargeback support, and developer APIs — underwritten upfront and connected as one payment architecture.
Businesses whose payments have outgrown basic processing: contractors and project businesses, SaaS with recurring billing, platforms and marketplaces, e-commerce brands scaling volume, hospitality, and regulated or specialty businesses where underwriting has to come first.
Aggregators pool many merchants on shared accounts and often review risk as it surfaces, which is one reason growth can trigger holds. Kadima boards you on your own merchant account with risk reviewed upfront, so the structure is built for the volume you expect. Why processors shut businesses down →
Stripe and Square are aggregators: you share a pooled account, and their risk models can react to your growth after the fact. That model is quick to start with and is often right for a simple business. Kadima boards you on your own dedicated merchant account with your risk assessed upfront, so the structure you sign is built for the volume you expect. No processor can promise you will never see a hold or a reserve; what we do is define the risk before it becomes a problem.
Pre-qualification takes about 60 seconds. After a complete application, many businesses hear back within a few business days. Timing depends on your business type, volume and documents, and our banking partners make the final decision.
Yes. Regulated and specialty businesses are a core focus. We match you to banking partners whose policies fit your model instead of turning you away on category alone. Some categories are outside what any partner accepts, and approval is always the bank’s decision.
Yes. ACH and bank payments, recurring and stored-credential billing, and payment links are available with your merchant account. Estimates, invoicing, payment schedules and QuickBooks Online payment sync are available through RapidPayLink, Kadima’s invoicing product, on its own plan.
Pricing is tailored to your volume, ticket size and risk profile, including dual-pricing programs where they fit. Every fee and term, including the term length and any early-termination fee, is explained before you sign.
Yes — selective API access covers embedded onboarding, payments, payment links, reporting, and signed webhooks, plus a native Medusa.js plugin. Start at Developers.
How a reserve’s release schedule works, what drives the rate, and how to get it reduced.
PlaybookThe steps to take to recover your funds, protect your revenue, and find a processor built for your business.
Dual pricingWhere separate cash and card prices are legal, how the networks regulate them, and how to stay compliant.
Bring merchants to infrastructure that keeps them: straight answers on underwriting, real support, and payouts you can build a business on. Kadima is founder-led and building beyond processing.
Become a partnerEmbedded 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 toolsStart with how your business gets paid, or go straight to an application if you already know what you need.
