Tech-forward payment processing built for speed, flexibility, and maximum savings — with 24/7 dedicated support and month-to-month contracts with no early termination fee.
Merchant services is the infrastructure that lets your business accept card payments — covering everything from the terminal or gateway that captures a transaction to the network routing, risk management, and settlement that puts funds in your bank account.
At KAJA Payments, we bundle all of that into one transparent relationship. You get competitive interchange-plus rates, next-day or same-day funding, and a dedicated support team available around the clock — on a month-to-month contract with no early termination fee and none of the hidden fees that frustrate merchants at other processors.
Whether you run a single storefront, a growing eCommerce business, or a multi-location enterprise, our platform scales with you and supports every channel you sell through.
Every KAJA merchant account comes fully equipped — no add-on fees, no piecemeal pricing.
Accept Visa, Mastercard, Amex, Discover, and digital wallets (Apple Pay, Google Pay) via magstripe, EMV chip, and contactless NFC.
Most merchants receive funds the next business day. Same-day deposits are available for qualifying accounts.
Real-time dashboards, detailed transaction reports, and batch summaries — included at no additional cost.
Built-in risk monitoring, velocity checks, and fraud detection tools protect your business and customers.
A dedicated support team available around the clock — no bots, no lengthy queues, just real help when you need it.
Automated recurring payments for subscriptions, memberships, and repeat customers — set up once, run automatically.
KAJA Payments works with businesses of all sizes across a wide range of industries.
From boutique shops to multi-location chains, we support fast in-person checkout via EMV terminals and POS systems.
Tableside payments, tips, split checks, and high-speed throughput — optimized for the pace of foodservice.
Payment gateway integrations, hosted checkout pages, and 3D Secure authentication for secure online selling.
Invoicing, virtual terminal payments, and recurring billing for law firms, consultants, agencies, and service providers.
HIPAA-conscious payment environments with patient billing, co-pay collection, and recurring plan management.
Hotels, vacation rentals, and travel agencies benefit from card-on-file, no-show fees, and guest checkout options.
Specialized underwriting and chargeback management for nutraceuticals, adult content, travel, firearms, and more.
Discounted interchange rates for eligible nonprofits, plus donation processing and membership payment tools.
KAJA Payments unifies all of your sales channels under one merchant account and one monthly statement — in-person, online, and on the go.
Every KAJA quote starts with an analysis of your current processing costs so we can show you exactly what you'll save.
The wholesale cost set by card networks (Visa, Mastercard) and paid to the card-issuing bank. This rate is non-negotiable and applies to every processor.
A small per-transaction fee charged by the card networks for use of their payment infrastructure. Also non-negotiable and consistent across all processors.
The fee added by the payment processor on top of interchange. This is the component that varies between processors and pricing models — and the one you're actually negotiating.
You pay the actual wholesale interchange rate set by the card networks plus a fixed KAJA markup — nothing bundled, nothing hidden. Because the two components are listed separately, you have full visibility into the real cost of every transaction.
Interchange-plus is widely used by businesses that want a clear breakdown of what they're paying and why. It's well-suited for moderate-to-high volume merchants who want to understand their statement in detail.
A single fixed percentage applied to every transaction regardless of card type or network. Predictable and simple to understand — ideal for merchants just starting out or with very low monthly volumes.
Because the rate is blended, your effective cost per transaction won't vary based on card type or network. Flat-rate pricing works well for merchants who prefer consistency over granularity on their statements.
A legacy model that sorts transactions into qualified, mid-qualified, and non-qualified tiers, each with a different rate. Widely used by traditional processors, but the least transparent option — most transactions end up in higher-cost tiers.
KAJA offers tiered pricing for merchants with specific legacy system or software requirements where this structure is the most practical fit.
KAJA Payments is built on the same security infrastructure trusted by the world's largest financial institutions.
Security compliance is complex — KAJA simplifies it. We guide every merchant through their PCI self-assessment questionnaire at no additional charge and provide the tools needed to maintain a compliant environment year-round.
Because we handle encryption, tokenization, and fraud monitoring at the platform level, your team spends less time managing security requirements and more time focused on running the business.
Our onboarding team handles the heavy lifting so you can focus on your business.
Call us at (833) 327-5252, email info@kajapayments.com, or submit our contact form. We'll ask a few questions about your business — volume, industry, current processor, and how you sell.
We analyze your current processing statements and present a clear, apples-to-apples comparison. No bundled rates, no teaser pricing — just exactly what you'll pay and what you'll save.
Our team handles the merchant application and underwriting. Terminal or gateway setup is typically completed within 1–2 business days. We coordinate shipping, integration, and testing at no additional cost.
Accept your first payment with confidence. Our 24/7 support team is standing by to answer any questions — and we'll check in proactively to make sure everything is running smoothly.
Talk to a KAJA payments advisor today. We'll analyze your current statement and show you exactly what you'd save — at no obligation.