Your processing partner
Kairos Card Services brings radical transparency to payment processing. No hidden fees, no inflated rates. Just honest pricing and a team that picks up the phone.
We meet the card industry’s security standard for handling payment data.
We work with a network of 15+ banks, so nearly any business gets the right home, from everyday low-risk merchants to hard-to-place high-risk industries.
You pay the card networks’ true cost plus one disclosed margin. Nothing bundled, nothing hidden.
Real people in Miami answer the phone. No ticket queue, no offshore maze.
Here's the thing...
Every line on your statement explained in plain English. No hidden markups, no bundled surprises. You see exactly what you pay and why. If we can’t explain a fee, you shouldn’t be paying it.
> Reading statement, page 2 of 3...
> Line 14 "MISC ADJ $31.40" flagged
> Translation: a fee with no job.
Offer a cash price and a card price, so the card networks’ fees stop coming out of your pocket. We set it up compliantly and keep it that way.
Real humans in Miami who pick up the phone. Your dedicated account manager knows your business and responds when it matters.
Exhibit A
One month, one merchant, one card volume, and two very different documents. The first is the statement a business doing $187,412.66 a month actually gets: four pages, twenty-six separate fee lines, and a total you can only reach with a calculator. The second is the same month, billed by us.
Any Processor, Inc.
1400 Corporate Parkway, Suite 900
Wilmington, DE 19801
For customer service call 1-800-555-0142
Merchant Statement
Page 3 of 4
| Description | Amount of Sales | Total |
|---|---|---|
| VISA | 68,204.19 | 1,476.38 |
| MASTERCARD | 55,880.02 | 1,376.76 |
| DISCOVER | 3,905.77 | 87.58 |
| AMERICAN EXPRESS | 59,422.68 | 1,533.13 |
| Total Interchange and Card Processing Fees | 187,412.66 | 4,473.85 |
| Description | Rate | Fees | |
|---|---|---|---|
| VISA ASSESSMENTS | 0.1400 | 95.49 | |
| MASTERCARD ASSESSMENTS | 0.1400 | 78.23 | |
| DISCOVER ASSESSMENTS | 0.1400 | 5.47 | |
| AMEX ASSESSMENTS | 0.1650 | 98.05 | |
| Card Brand Assessments | 277.24 |
| Description | Rate | Fees | |
|---|---|---|---|
| VISA INQUIRIES | 0.2000 | 82.40 | |
| MASTERCARD INQUIRIES | 0.2000 | 62.20 | |
| AMEX INQUIRIES | 0.2000 | 59.20 | |
| DISCOVER INQUIRIES | 0.2000 | 4.80 | |
| ON FILE FEE | 174.0000 | 174.00 | |
| PCI NON-VALIDATION FEE | 39.9500 | 39.95 | |
| ACQUIRER NETWORK FEE | 38.2800 | 38.28 | |
| REGULATORY PRODUCT FEE | 24.9500 | 24.95 | |
| SAFERPAYMENTS BASIC | 14.9500 | 14.95 | |
| STATEMENT FEE | 9.9500 | 9.95 | |
| MINIMUM DISCOUNT ADJUSTMENT | 25.0000 | 25.00 | |
| ACQUIRER PROCESSOR FEE | 0.0155 | 16.17 | |
| MC NABU / VISA APF | 0.0195 | 20.34 | |
| AMEX ACQUIRER TRANSACTION FEE | 0.0200 | 5.92 | |
| + 4 more fee lines, continued on page 4 | |||
| Total Other Fees | 611.19 | ||
| Interchange Fees | 3,685.73 |
|---|---|
| Card Processing Fees | 788.12 |
| Card Brand Assessments | 277.24 |
| Other Fees | 611.19 |
| Total Fees | 5,362.28 |
American Express does not charge “interchange.” For Amex, this amount is the percentage fee applicable to your Amex card transactions. Review this statement closely. It is the merchant’s responsibility to report any error or discrepancy in writing within 30 days following the reporting period, after which the statement information and fees are deemed to be accepted by the merchant.
ICPSW
Kairos Card Services
1221 Brickell Avenue, Suite 900
Miami, FL 33131
Call a human at (305) 686-4690
Merchant Statement
Page 1 of 1
| Card volume, 1,043 sales | $187,412.66 |
|---|
Pass-through, at cost. We do not mark this up.
| Interchange, paid to the banks that issued your customers’ cards | 3,685.73 |
|---|---|
| Assessments, paid to Visa, Mastercard, Amex and Discover | 277.24 |
| Subtotal: money that never touches Kairos | 3,962.97 |
Two lines. This is the entire way we make money on your account.
| Margin on volume, 0.25% of $187,412.66 | 468.53 |
|---|---|
| Margin per sale, $0.07 × 1,043 sales | 73.01 |
| Statement, PCI, batch, network, "regulatory" and on-file fees | 0.00 |
| Subtotal: what Kairos earns | 541.54 |
Total Fees
Effective rate 2.40%. Every line above, added up.
4,504.51
That is the whole statement. There is no page 2, no schedule of incidental fees, and no line we would need a paragraph to defend. If we ever cannot explain a charge in one sentence, you should not be paying it.
Same month · same volume · same interchange
$857.77/mo
Back in your account: $10,293.24 a year. Not a discount and not a teaser rate: the difference is entirely fees that have no job.
Illustrative statement, invented merchant, real fee names. Send us yours and we'll mark it up line by line. No commitment.
Now playing
Real screens from the actual software: Kontrol Center for the book of business, Hive for the brain. Loaded with sample data, refreshed every time the product ships.
> FRAME 01 · MISSION BRIEFING
Month-to-date volume, residuals, agent performance, and alerts. All there the moment you log in. This is the actual Kontrol Center dashboard, running sample data.
> FRAME 02 · PORTFOLIO ANALYTICS
Volume trends, industry breakdowns, and the merchants moving up or down, charted continuously so a quiet account never becomes a surprise.
> FRAME 03 · MERCHANT DOSSIER
One dossier per merchant: processing history, equipment, pricing, notes. When you call us about your account, we are looking at this page.
> FRAME 04 · KAIROS HIVE
Hive is our AI knowledge base. Rates, compliance, interchange, boarding policy. Ask in plain English, get an answer with its sources attached.
> FRAME 05 · STATEMENT AUTOPSY
Feed Hive a processing statement and it itemizes every fee, flags the junk, and totals what transparency would save. This is the engine behind our free analysis.
01
Send your most recent processing statement, the monthly fee report your current processor mails or emails you. We handle the rest, no commitment, no pressure.
02
Our team analyzes every line and shows you exactly where you can save. Clear, side-by-side comparison. No jargon.
03
If the numbers make sense, we handle the transition. Same terminals, same workflow. Just better pricing and better service.
Build your own portfolio with a partner who invests in your success. Competitive splits, transparent residual reporting, and back-office support that lets you focus on selling.
Competitive revenue splits
Full back-office and onboarding support
Real-time residual reporting via Kontrol Center
Growing product suite to sell
> Residual statement: PUBLISHED
> Split calculation: line-item visible
> Basis points: as agreed, in writing
> Payout status: ON TIME
> Clawback surprises: NONE
> _
Residuals you can audit every month, in Kontrol Center
Ready to save?
Send us your most recent processing statement and we'll show you exactly where your money is going, and how to keep more of it.
Your statement stays confidential. We use it only to build your comparison, and we delete it if you don't move forward. No spam, no sales chase. Prefer to talk first? Call (305) 686-4690. A real human in Miami picks up.
The whole crew, in your corner