What we offer
Our Solutions
Full-service payment processing for merchants, plus the platform tools agents and ISOs run their business on. From terminals to analytics, we cover every part of the payment stack.
Payment Processing
For merchants: competitive rates, transparent pricing, and the equipment and gateways your business needs to accept payments anywhere.
Dual Pricing & Surcharging
Offer a cash price and a card price, so the card networks’ fees stop coming out of your pocket. We handle the setup, signage, and compliance so you can focus on your business.
Interchange-Plus Pricing
The most transparent pricing model in the industry. You pay the card networks’ true wholesale cost (called interchange) plus one small, disclosed markup — no bundled surprises.
POS Terminals & Equipment
Industry-leading terminals from Valor, Dejavoo, Clover, and PAX. Countertop, wireless, and mobile options for any business environment.
Virtual Terminals & E-Commerce
Accept payments online or key in transactions with trusted gateways including NMI and Authorize.net. Seamless integration with your website or invoicing workflow.
Mobile Payments
Accept payments on the go with mobile card readers and tap-to-pay solutions. Perfect for service businesses, pop-ups, and field sales.
Next-Day Funding
Get your money faster. Eligible merchants receive deposits the next business day — improving cash flow without the wait.
Send your most recent processing statement and we'll show you exactly what you'd pay with Kairos. No commitment, no pressure.
Kairos Kontrol Center
The Kontrol Center is the nerve center of your payment operations — built for merchants watching their own account and for the agents and ISOs who manage whole portfolios. Every transaction, every statement, every rate change: visible, trackable, and actionable from a single dashboard.
Account Dashboard
Bird’s-eye view of your processing activity with real-time KPIs and trend analysis.
Statement Analysis
Automated line-by-line statement review that flags overcharges and identifies savings.
Rate Monitoring
Proactive alerts when the card networks change their rates or when your effective rate drifts upward.
Portfolio Management
For agents and ISOs (independent sales organizations) — manage merchant relationships, track residuals, and monitor performance.
Compliance Center
PCI-DSS monitoring, risk alerts, and regulatory compliance tracking built in.
> Loading account overview...
>
> MONTHLY VOLUME ..... $142,893.22
> EFFECTIVE RATE ..... 2.41%
> SAVINGS FOUND ...... $387.50/mo
> RATE ALERTS ........ 1 NEW
> NEXT STATEMENT ..... Apr 15
>
> COMPLIANCE: ALL CLEAR
>
> System status: OPERATIONAL
> _
Sample output — your dashboard shows your live account
You
Show me merchants with declining volume in the last 90 days
Hive
47 merchants show declining volume (>10% decrease). Top 5 at-risk accounts identified. Revenue impact: ~$12,400/mo in residual income.
You
What retention strategies have worked for similar cases?
Hive
Based on historical data, proactive rate reviews have a 68% retention rate for declining-volume merchants. Recommended: schedule outreach within 14 days.
Sample conversation — illustrative data, not a live portfolio
Your AI co-pilot
Kairos Hive
Built for agents and ISOs, Hive is the AI-powered knowledge base that transforms raw portfolio data into actionable intelligence. Ask questions in plain English and get answers backed by your actual merchant data.
Natural Language Queries
Ask questions like you’d ask a colleague. Hive understands context and nuance.
Portfolio Intelligence
Automatic churn prediction, growth opportunity identification, and risk scoring.
Source Transparency
Every answer cites its data sources. Verify any insight with one click.
Proactive Alerts
Hive surfaces issues before they become problems — declining volumes, rising disputes, compliance gaps.
Industry Knowledge
Pre-trained on payments industry data, regulations, and best practices.
Enter the Kontrol Center
We're putting the finishing touches on something special. Be the first to know when the Kontrol Center goes live.
Kontrol Center // Status: In Development