What we offer
Our Solutions
Full-service payment processing backed by proprietary technology. From terminals to analytics, we cover every part of your payment stack.
Core services
Payment Processing
Competitive rates, transparent pricing, and the equipment and gateways your business needs to accept payments anywhere.
Dual Pricing & Surcharging
Compliant programs that offset your processing costs. 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 see the true interchange cost plus our small 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.
The command center
Kairos Kontrol Center
The Kontrol Center is the nerve center of your payment operations. Every transaction, every statement, every rate change — visible, trackable, and actionable from a single powerful 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 interchange rates change or when your effective rate drifts upward.
Portfolio Management
For agents and ISOs — 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
> _
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.
Your AI co-pilot
Kairos Hive
Hive is your 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.
Coming soon
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