Kadima means
forward.
We're a modern payments company for businesses that need more than basic processing — built to power growth, manage risk, and move serious merchants forward. Where others say no, we say Kadima.
Most processors treat every business the same — until growth trips an algorithm. Kadima underwrites your risk upfront, so scaling never triggers holds, reserves, or shutdowns.
Payments should scale.
Not break.
Kadima started with a pattern we kept seeing: good businesses — real revenue, real customers, real operations — getting frozen, limited, or shut off by processors that never took the time to understand them. An aggregator approves you in minutes, then flags you the moment you look different from the average. The cost lands on the merchant: held funds, delayed payroll, growth punished as if it were fraud.
We built Kadima to invert that model. Underwriting happens first, by people who understand your vertical — not after the fact, by a model that panics at scale. Your volume, your ticket size, your risk profile are defined upfront and priced honestly. Then the infrastructure — card and ACH processing, dual pricing, billing through RapidPayLink, gateways, and developer APIs — is assembled around how your business actually operates.
The name is the mission. Kadima is Hebrew for “forward.” Forward for the merchant who outgrew Stripe. Forward for the vertical everyone else declines. Forward, always.
Built for business.
Driven by community.
Risk, defined upfront
Underwriting happens before you process — not as a surprise after your best month. No mystery thresholds, no retroactive punishment for growth.
People, not just models
Real underwriters who understand your vertical, and support you can actually reach — because payments problems are business problems.
Transparent economics
Pricing designed to be understood — dual pricing and surcharging where they fit, interchange clarity where they don't. No buried line items.
Infrastructure, not a utility
Payments as a connected layer — gateways, billing, risk, reporting — not five vendors you have to babysit.
Say yes carefully
Where others say no, we do the work — honest underwriting for regulated and specialty verticals, subject to review, priced for reality.
Community over volume
Merchants, agents, and partners who win together. We'd rather board the right businesses than the most businesses.
Founder-led,
merchant-obsessed.
Moshe Maghboule, Founder & CEO. Kadima is founder-led and hands-on by design. The businesses we serve don't need another faceless processor — they need someone accountable on the other side of the table. That's the standard the whole team is held to: know the merchant, know the vertical, own the outcome. You'll find the same voice on our blog, where we publish straight talk on dual pricing, risk, and why processors freeze accounts.
We're building
something bigger.
Processing is the foundation, not the ceiling. Kadima is investing beyond traditional payments — toward infrastructure, automation, and payment-powered software where money movement becomes a signal your business can act on. We're not ready to lay out the full picture, and that's deliberate. If you're a builder, operator, or vertical expert who feels the same pull, read what we're willing to say so far — and then come build with us.
Move your business forward.
Tell us how you operate. We'll underwrite it honestly, price it transparently, and build the payments layer around it.