Whether you're a sales agent, a bank serving business clients, or a software company ready to monetize payments — we have a program built for you.
Best for: Independent sales agents, agent offices, and registered ISOs who earn residuals by signing and managing merchant accounts.
Get direct access to KAJA Payments' processing platform with competitive revenue splits, lifetime residuals, fast merchant boarding, and a dedicated partner manager in your corner from day one.
View full details →Best for: Banks and credit unions that want to offer merchant services to their business clients through a turnkey referral arrangement.
Monetize relationships you already have. KAJA Payments provides the processing infrastructure and compliance support so your institution can deliver a complete merchant services offering without building it from scratch.
View full details →Best for: Software companies and developers who want to embed payment acceptance directly into their platform and generate revenue share from their merchants' processing volume.
Developer-first APIs, embedded payments, PCI-compliant infrastructure, and built-in risk tools — so you can go to market fast and earn on every transaction without building a payments stack yourself.
View full details →Partner directly with KAJA Payments and cut out the middlemen.
As a registered ISO or independent sales agent, you get direct access to our processing platform, competitive residual splits, and a dedicated partner success team that's in your corner from your first deal to your hundredth. No chasing down support tickets. No opaque comp structures. Just a straight line between you, your merchants, and your income.
Earn recurring income on every merchant you board for as long as they process with us. Build a portfolio that pays you indefinitely.
Streamlined online application and approval process. Less time waiting on underwriting means you start earning faster on every deal.
Strong splits with a transparent compensation structure. You'll always know exactly what you're earning and why.
A named partner manager, not a ticket queue. Someone who knows your portfolio and picks up the phone.
Free marketing collateral and merchant-facing materials so you can close deals with professional assets.
Help your merchants get paid the next business day. Faster funding is a real differentiator in competitive deals.
Refer your business clients. Earn revenue share. We handle everything else.
Banks and credit unions already have the merchant relationships — they often lack the specialized infrastructure to monetize them at scale. KAJA Payments fills that gap. You refer your business clients, we handle underwriting, onboarding, and ongoing support, and you earn a share of the processing revenue. Your clients get better payment solutions. You generate fee-based income from relationships you already own — without the operational lift of building a payments program.
Generate fee-based income from your existing business client base. No new product builds, no new headcount — just revenue from relationships you already have.
Refer a business client and step away. KAJA Payments handles the merchant application, underwriting, activation, and ongoing servicing — your team stays focused on your core banking work.
KAJA Payments handles merchant services in the background. We don't market competing banking products to your referred clients, and we don't attempt to displace their primary financial relationship with your institution.
Give your business clients card processing, ACH, cash discount, surcharge, and high-risk solutions — a complete merchant services offering through one banking relationship.
Simplified compliance management for your merchant clients, including streamlined questionnaires and ongoing monitoring — reducing their risk exposure and your administrative burden.
A single named contact who understands both financial institutions and payments — not a shared support line, but someone accountable to your program's success.
Add revenue without adding complexity.
If you're building software — whether it's a POS system, SaaS platform, vertical app, or e-commerce solution — KAJA Payments gives you the API infrastructure and commercial model to monetize payments inside your product. Our ISV program is built for developers who want clean integrations and software companies that want to earn from their payment volume without standing up a payments operation from scratch.
RESTful APIs with full documentation, sandbox environments, and SDKs. Get integrated quickly without fighting underdocumented endpoints or slow support queues.
Let your users accept payments without leaving your platform. The experience stays seamless, your brand stays front and center.
Earn a share of every transaction your merchants run through your integration. Payment volume becomes a recurring revenue line with no marginal effort.
We handle tokenization, data security, and certifications so your engineering team stays focused on your product — not on compliance frameworks.
Fraud detection, chargeback management, and transaction monitoring are built into the platform. Protect your merchants without building the tooling yourself.
Our technical team helps you scope, build, and go live. Not just documentation — real engineering support from kickoff through launch.
Three programs, one platform. Pick the track that fits how you work.
I sell payment services or refer merchants and want to earn lifetime residuals on every account I bring in.
Learn More →My institution serves business clients and I want to offer merchant services — either under our brand or through a referral program.
Learn More →I build software and want to embed payments into my platform while generating revenue share from my merchants' processing volume.
Learn More →