E-Commerce Payment Processing
for Online Businesses
Checkout that converts — and keeps converting. Hosted checkout, embedded payments, digital wallets, and fraud tooling on a merchant account that scales with your best day — not one that freezes when a campaign lands.
False declines and a frozen account on your biggest sales day aren’t edge cases — they’re revenue you never get back. Kadima is built to convert, and to stay on.
Built to
convert and scale.
Hosted & embedded checkout
Drop-in hosted pages or fully embedded payments — fast, branded, and tuned to reduce abandonment.
Apple Pay & Google Pay
One-tap wallets and click-to-pay built in, so you never lose a sale at the last step.
Card-not-present native
Online, phone, and stored-credential transactions handled natively — with the approval rates to match.
Fraud & chargeback controls
Tunable filters, velocity rules, and 3-D Secure that stop fraud without blocking good customers.
Subscriptions & saved cards
Recurring billing and secure card-on-file for memberships, replenishment, and upsells.
Scales with the spike
A campaign-day surge is a good thing here — your account is structured for it, with no surprise holds.
E-commerce payments: common questions
Do I need a merchant account, or is an aggregator enough?
An aggregator like Stripe or Square boards you into a shared, pooled account with minimal upfront underwriting, then reacts to risk afterwards — which is why a campaign spike or a growth month can trigger a freeze. A dedicated merchant account has your risk assessed and your terms written down before you process a dollar. If a hold would hurt you, you want the dedicated account.
Can I take Apple Pay and Google Pay?
Yes. Digital wallets are supported on both hosted and embedded checkout, alongside standard card-not-present transactions.
What happens when a campaign spikes my volume?
Nothing, which is the point. Your expected volume is part of underwriting, so a good day is not treated as an anomaly. Aggregator models flag exactly this pattern and freeze funds mid-cycle.
Do you support subscriptions and saved cards?
Yes — stored credentials and recurring billing are supported. For a subscription-first business, see our recurring payment processing page.
What if my product category gets declined elsewhere?
That is core business for us rather than an exception. See high-risk merchant accounts for the verticals we underwrite and what approval involves.
I sell digital products rather than physical goods — do I still need a merchant account?
Not necessarily. If what you sell is delivered digitally — a download, a login, a membership or a course — a commerce platform can handle checkout, access and billing without you building any of it. A dedicated merchant account earns its place when you ship physical product, sell in person as well as online, process meaningful volume, or need payments inside your own systems. Kadima can look at how you actually sell and tell you which fits — see how we evaluate it, or talk to us.
Selling digital as well
as physical?
Plenty of e-commerce businesses run a digital line — a membership, a course, a downloadable product — alongside the shipped one. Rather than guessing which belongs where, Kadima evaluates how each line actually sells and helps identify whether Whop’s commerce platform or a dedicated merchant account is the better fit for it.
Stop leaking revenue at checkout.
Tell us about your store and volume. We’ll structure online processing built to convert and priced for how you actually sell.