KAJA Payments

Name

KAJA Payments

Legal name

KAJA Payments

Website

https://kajapayments.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

KAJA Payments is a New York-based, privately-held payment processor serving US SMBs and high-risk merchants through a proprietary fee-customizable platform, distributed via direct sales and an ISO agent partner network.

Ownership category

akta.pro rank

Product category

Merchant Payment Processing

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant Acquiring & Card Processing (PSPs) (CRAFALAB), Marketplace / Platform Acquiring (PayFac & Sub-Merchant Management) (FSAMABAF)

Keywords

• Payment processing services
• Merchant services
• ACH processing
• High-risk processing
• Cash discount programs

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Payment Processing Services: Transaction-based revenue from processing credit card, debit card, and ACH payments for merchants. KAJA charges transaction fees on each payment processed through their merchant accounts.
2. Surcharge Program: Merchants charge customers an additional fee (typically up to 4%) for credit card transactions, helping offset processing fees. KAJA facilitates and processes these surcharged transactions.
3. Cash Discount Program: Merchants offer discounted prices for cash payments while charging a service fee for card transactions (typically 4%), effectively passing processing costs to customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

KAJA Payments is a technology-driven payment processor providing merchant services across retail, point-of-sale, mobile, e-commerce, and EMV terminal environments. Its core offering accepts credit and debit cards at competitive wholesale rates, supplemented by add-on programs including Cash Discount, Surcharge, High-Risk Processing, and ACH Processing to help merchants reduce or offset processing fees.

Product overview

KAJA Payments is a technology-driven payment processor offering a unified merchant services platform. The core offering is Payment Processing, which supports multiple transaction environments including retail, point of sale, mobile, e-commerce, and EMV terminals. The platform includes supplementary programs: Cash Discount Program, Surcharge Program, High Risk Processing, and ACH Processing. These add-on modules work together with the core payment processing to address various merchant needs—from standard card processing to specialized high-risk industry support and alternative payment methods.

Differentiator

Problem solved

Functional benefit

Products and services

• Payment Processing Core tech-focused, flexible payment processing service that accepts all credit and debit cards at competitive wholesale rates, supporting mobile payments, point-of-sale, e-commerce transactions, and EMV terminals for businesses of all sizes.
• Cash Discount Program
• Surcharge Program
• High Risk Processing
• ACH Processing

Quantifiable outcome

• Eliminate or substantially reduce credit card processing fees through cash discount/surcharge programs
• +1 more outcomes

Segments5 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• National Processing: SMB and high-risk payment processor offering cash discount and surcharge programs. Direct overlap on product set including zero-fee programs and high-risk underwriting.
• PaymentCloud: High-risk merchant account specialist ISO offering payment processing to verticals declined by mainstream processors. Closest comparable to KAJA's core high-risk vertical and ISO-led distribution model.
• Durango Merchant Services: High-risk payment processor and ISO with multi-channel merchant acquiring. Comparable niche positioning and ISO agent-driven acquisition model.
• Easy Pay Direct: Specialized payment processor offering merchant accounts, cash discount, and high-risk verticals. Comparable product set and SMB-to-high-risk targeting.
• Host Merchant Services: SMB-focused payment processor and ISO with agent partner program and interchange-plus pricing. Comparable operating model and SMB/agent-led go-to-market.
• Stax Payments: Subscription-based payment processing platform targeting SMBs with transparent pricing. Comparable in targeting tech-savvy merchants with low-friction, contract-free positioning.

Broad incumbents

• Stripe: Online-first payment processor and acquirer. Key incumbent reference: KAJA explicitly targets merchants that Stripe declines, making its competitive positioning most legible against this peer.
• Fiserv: Large merchant acquirer and ISO sponsor bank for many small payment processors including KAJA's likely backend. Provides the upstream processing infrastructure that KAJA's ISO model depends on.
• Square (Block): Mainstream SMB payment processor and acquirer. Represents the dominant incumbent KAJA positions against—particularly relevant given KAJA's positioning versus Square's merchant rejection of high-risk verticals.
• PayPal: Mainstream payment processor called out by KAJA's customer segments as a frequent terminating party for chargeback-prone merchants. Industry reference for which merchants KAJA serves as a refuge.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/kaja-payments

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KAJA Payments