Payment Infrastructure
for Growing Businesses
Beyond processing. Build the payment system your business actually needs — merchant account strategy, gateway routing, ACH and card workflows, AR automation, dual pricing, recurring billing, reconciliation, and risk alignment in one operational layer.
The pieces of a real
payment stack.
Most processors only solve the transaction. Kadima looks at the full payment environment so each layer reinforces the next.
Merchant account strategy
Underwriting structured around your business model, volume profile, ticket size, MCC, and growth path — so the account holds up under real conditions, not just on paper.
Gateway selection
NMI, Authorize.Net, Fiserv, CardPointe, TSYS, Cybersource, Accept.Blue and more. We pair you with the gateway your processing flow actually fits — not the one we resell hardest.
ACH and card workflows
Card-not-present, card-present, ACH, and bank transfer flows wired into one operational layer with verification, settlement visibility, and reconciliation.
AR automation
Payment links, transaction-based requests, recurring billing, retry logic, and dunning through tools like RapidPayLink — so receivables stop living in spreadsheets.
Dual pricing
Pass processing fees to card-paying customers without breaking compliance. Cash discount programs structured for your point-of-sale and your customer experience.
Recurring billing
Subscription cycles, usage-based plans, and metered billing with smart retries and account updater to keep MRR healthy and involuntary churn low.
Reporting and reconciliation
Live dashboards, transaction-level visibility, and accounting sync — so finance, ops, and underwriting see the same numbers in real time.
Risk and underwriting alignment
Limits, reserves, documentation, and chargeback strategy defined upfront — so growth never triggers a hold or an account review you weren't expecting.
Embedded and vertical workflows
Payments wired into your software, your platform, or your industry-specific workflow — APIs, hosted pages, white-label flows, and platform-aware integrations.
The difference between processing
and infrastructure.
A merchant account is one decision. A payment system is a series of them. Kadima helps you make those decisions in the right order, before the volume forces them on you.
Approved — and structured to stay approved
Approvals are easy to celebrate and easy to lose. We design the underlying account so volume, chargebacks, or product changes don't trigger a shutdown six months in.
Routed — not just processed
Multi-gateway routing, failover, and intelligent fallback keep approval rates high — especially in CNP and high-risk environments where one acquirer isn't enough.
Reconciled — not just settled
Funds land in the right place. Books match the gateway. Disputes are tracked. Finance and ops see the same numbers without an end-of-month panic.
Connected — not bolted on
Payments live inside the systems your business already runs in — accounting, CRM, ERP, checkout, AR — instead of as a parallel process nobody fully owns.
Talk to Kadima about
your payment stack.
Tell us how your business processes today, where it's breaking, and where you want it to go. We'll map out the merchant account, gateway, AR, and risk pieces that fit — and tell you straight if Kadima isn't the right partner for it.