One Team.
The Right Commerce Solution.
Whether your business is better suited for Whop’s digital-commerce ecosystem or a dedicated merchant account, Kadima helps evaluate your model, identify the right payment path and guide you through the process.
Already know Whop is right? Apply for a Whop account →
Kadima combines payment-industry experience with access to multiple commerce routes, so businesses can start with one knowledgeable team instead of trying to navigate providers alone.
You Shouldn’t Have to Figure This Out Alone.
Digital products, subscriptions, memberships, physical goods and specialized business models can have very different payment requirements. Kadima starts by understanding how your business operates, then helps identify whether Whop or a dedicated merchant account is the better fit.
The questions that actually decide it
None of these are trick questions. They’re the things that genuinely change the answer — and most of them only you can answer.
What are you actually selling?
A file, a membership, a service, a physical product — or some combination. This narrows the route faster than anything else.
How do customers buy it?
Self-serve checkout, an invoice, a sales call, a renewal that runs quietly in the background. Each implies different plumbing.
Is the revenue one-time or recurring?
A single purchase and an ongoing subscription create different billing, dunning and access-control problems.
Is delivery digital, physical, or both?
Whether anything leaves a building — and whether access has to be revoked when someone stops paying.
What do volume and ticket size look like?
Not just today. What’s comfortable at launch and what’s comfortable at scale are frequently different answers.
Where does checkout need to live?
On a platform, on your own site, inside your app, or wired into a POS, ERP or system you already run.
Does your industry need deliberate underwriting?
Some models benefit from risk being defined upfront by someone who understands the category, rather than assessed after the fact.
What stage are you at, and where next?
Launching, growing, or restructuring something that already works. The right route depends on which.
What Whop is built for
Whop is a commerce platform for online businesses — a place to sell, deliver and manage recurring access without assembling checkout, entitlements and billing yourself. These are the solution categories Whop names on its own site:
Whop describes its platform as serving business types including agencies, games, service businesses, social networks, shopping platforms, consumer SaaS, marketplaces, events and trading platforms. Whether it suits your business depends on how you sell and what you need payments to do — which is what the first conversation with us covers. For current capabilities, availability and terms, check with Whop directly.
Two Commerce Routes. One Kadima Relationship.
This isn’t Whop versus Kadima. It’s Kadima looking at two routes and telling you which one fits how your business actually operates.
Whop through Kadima
Potential fit for
- Digital products and downloads
- Paid communities and memberships
- Coaching and education
- SaaS and software
- Subscription-based access
- Creator-led businesses
Dedicated merchant account through Kadima
Potential fit for
- Physical products and traditional e-commerce
- Retail and in-person selling
- Higher-volume businesses
- Specialized gateway or software integrations
- Regulated or complex industries
- Businesses requiring their own dedicated MID
Not sure where your business belongs? That is exactly why the first conversation should be with Kadima.
Two ways to apply
Know which route you want? Apply directly below. If you’re still weighing it up, talk to us first — that’s what we’re here for.
Apply for a Whop account
Start selling online — digital products, paid communities, memberships, coaching, courses, software and subscriptions. You apply on Whop through Kadima’s network, and we stay available as your payments advisor while you get set up.
Apply for a Whop AccountOpens Whop in a new tab. Kadima Payments may receive compensation from qualifying Whop referrals. Account availability, verification, pricing, payment capabilities and approval are determined by Whop.
Apply for a standard merchant account
Your own merchant ID and underwriting relationship — for physical products, selling in person as well as online, meaningful processing volume, or payments that need to run inside your own site, POS or ERP.
Start Your ApplicationTakes about 60 seconds to start. A Kadima agent reviews your business and maps out onboarding with you.
Not sure which one you belong in? Talk to a Kadima payments expert and we’ll work it out together before you apply anywhere.
Four steps, starting with a conversation
Tell us what you sell
Kadima learns how the business operates, gets paid and serves its customers.
We evaluate the model
We review the business structure, payment needs, integrations and underwriting considerations.
We recommend the right route
Kadima helps determine whether Whop or a dedicated merchant account is the stronger fit.
We help you move forward
Kadima guides the next steps and remains available as your payments advisor.
Frequently asked
Do I need to know whether I want Whop or a merchant account?
No. That is the decision we help you make. Most businesses arrive describing what they sell and how customers pay, not naming a platform. Kadima reviews the model — delivery, billing pattern, volume, integrations and underwriting considerations — and recommends the route that fits. You are not expected to arrive with the answer.
What types of businesses may be a fit for Whop?
Whop is a commerce platform for online businesses. Whop’s own site names solutions including coaching and courses, services, physical products, paid groups, software, telehealth and gig economy, across business types such as agencies, games, service businesses, social networks, shopping platforms, consumer SaaS, marketplaces, events and trading platforms. Whether it fits your business depends on how you sell and what you need your payments to do, which is what the first conversation covers. For current capabilities, availability and terms, check with Whop directly.
When might a dedicated merchant account make more sense?
When you want your own merchant ID and your own underwriting relationship rather than operating under a platform’s arrangement. That commonly applies when payments need to run inside your own site, POS, ERP or custom software; when you sell in person as well as online and want one settlement story; when processing volume has grown enough that the economics of owning the relationship matter; or when you operate in a regulated or specialized vertical that benefits from risk being defined upfront.
Does Kadima approve Whop accounts?
No. Account availability, verification, pricing, payment capabilities and approval on Whop are determined by Whop. Kadima does not control Whop’s underwriting, approval decisions, pricing, funding, platform operations, technical support or account servicing. What Kadima does is evaluate your business model, help identify the appropriate route, facilitate the introduction, guide you through the steps and stay available as your payments advisor.
Can Kadima help if my business changes or grows?
Yes, and that is a large part of the point. The right route at launch is not always the right route at scale. Businesses add a physical line, start selling in person, move payments into their own software or reach a volume where owning the processing relationship changes the maths. Kadima stays your payments advisor across those changes rather than treating the first decision as final.
How do I begin?
Talk to a Kadima payments expert. Tell us what you sell, how customers buy and where you want the business in a year or two. We’ll walk through the routes available to you, explain which one we’d recommend and why, and help you take the next step. If you already know Whop is the right fit, there’s a direct link below.
Start With Kadima.
Tell us what you sell and how your business gets paid. We’ll help you understand the available routes and determine the most appropriate next step.
Kadima Payments may receive compensation from qualifying Whop referrals. Account availability, verification, pricing, payment capabilities and approval are determined by Whop.