Payment processing, simplified.

Take every payment. Keep more of every sale.

Every way you get paid.

Whatever way your business takes payments, we can help.

Online checkout

Drop Kashu Pay into your store or send a payment link. Accept Visa, Mastercard, Amex, and Discover, online.

  • Embed in Shopify, WooCommerce, BigCommerce, Wix, and Squarespace
  • Hosted checkout or your own custom flow
  • Tap, dip, or key in any major card
Works with: NMI Authorize.net

Online pricing

0% with surcharging available
Visa · Mastercard · Discover
2.2% + 15¢
per transaction
American Express
2.9% + 15¢
per transaction
Combined rate
2.5% + 15¢
per transaction

In person

Take payments at the counter or on the go using the terminals and hardware you already run. Kashu is processor-agnostic.

  • Works with your existing terminals
  • Tap to pay, chip, and swipe
  • Keeps serving offline, then syncs when you reconnect
A Kashu card terminal on a counter, ready for a contactless tap payment

In-person pricing

0% with surcharging available
Visa · Mastercard · Discover
1.8% + 15¢
per transaction
American Express
2.5% + 15¢
per transaction
Combined rate
2.2% + 15¢
per transaction

ACH payments

Pull directly from your customers' bank accounts at a flat, low rate. Ideal for invoices, recurring billing, and large tickets.

  • Flat 0.50% + 25¢ per transaction
  • Built for recurring billing and invoices
  • Up to 80% cheaper than card fees

ACH pricing

Built for recurring & invoices
No expiring cards, so fewer failed payments.
A fraction of card fees
Pay 0.5%, not the ~2.9% cards cost.
ACH flat rate
0.50% + 25¢
per transaction

Digital wallets & other payment methods

Accept Apple Pay, Google Pay, and Buy Now, Pay Later at checkout. One tap, no card number, fewer abandoned carts.

  • Apple Pay and Google Pay out of the box
  • One-tap checkout online and in store
  • Buy Now, Pay Later at checkout

Wallet pricing

Apple Pay · Google Pay
Same transparent rate as your card payments.
No extra wallet fees
One-tap checkout with nothing added on top.
Combined rate
2.2% + 15¢
per transaction

Sell across borders.
Get paid in one place.

135+ currencies across 180+ countries, with local acquiring and local payment methods built in. Your customers check out in their own currency and method, and it all settles back to you in one place.

135+
Currencies

Accept payments in your customers’ local currency, with automatic conversion and local acquiring where it matters most.

180+
Countries supported
40+
Local payment methods
North AmericaCards, wallets & ACH
EuropeCards, wallets & SEPA
Asia PacificCards, wallets & local methods
Latin AmericaCards, wallets & local methods

One checkout. Every platform.

Just add the checkout. It does not matter where your business is or what you built your store on, Kashu Pay drops in and you can go live in 24 hours once approved.

  • Drop-in for Shopify, WooCommerce, BigCommerce, Wix & Squarespace
  • Hosted checkout, payment links, or API SDK
  • Apple Pay, Google Pay
Shopify
WooCommerce
BigCommerce
Wix
Squarespace
+ API SDK

+ more

Sell more at the counter.

Move the line faster, take every card and wallet, and watch your sales in real time. Keep the hardware you already own and keep more of every sale, because Kashu is processor-agnostic and priced to grow with you.

Kashu in person: a phone taking a Tap to Pay contactless payment, a handheld card terminal, and a countertop POS register around the Kashu glass mark

Pick your setup.

Register, handheld, or straight from your phone. Whatever fits your floor, it all runs on one account.

Kashu countertop POS register on a stand A Kashu register on a café counter as customers line up

Countertop register

A full POS for busy counters. Orders, checkout, and receipts on one screen.

Countertop register

  • Orders, checkout, and receipts on one screen
  • Keep the line moving at busy counters
  • Split checks, tips, and modifiers built in
  • Live sales and inventory always in view
Kashu handheld POS terminal A Kashu handheld terminal on a florist's workbench

Handheld terminal

Take orders and payments tableside, on the floor, or curbside.

Handheld terminal

  • Take payments anywhere in your space
  • Tap, chip, and swipe on one device
  • Print or text receipts on the spot
  • Move with your customers, not the counter
Tap to Pay on a phone with a contactless card A customer paying by tapping a card to a phone

Tap to Pay on phone

Accept contactless cards and wallets on the device already in your pocket.

Tap to Pay on phone

  • Accept contactless right from your phone
  • No extra hardware to buy or carry
  • Cards and mobile wallets in one tap
  • Set up in minutes and start selling

Everything the counter needs.

Built for restaurants, retail, and service businesses with a storefront, from a single shop to a chain of them.

Works offlineNo Wi-Fi? Keep serving. Sales queue locally and sync the moment you reconnect.
Real-time reportingSales, tips, and trends across the day, the moment they happen.
Multi-locationMenus, pricing, inventory, and staff across every location from one dashboard.
Menus & modifiersCombos, modifiers, and pricing variations that fit how you actually sell.
Online orderingOnline orders land straight in the POS and the kitchen. Fewer errors, faster tickets.
Third-party integrationsConnect the accounting, delivery, and back-office tools you already run.

From sign-up to getting paid.

A straightforward path from application to your first payout, with real underwriters, not a black box.

Tell us about your business

Share your model and volume. Our underwriting is tuned to your business, not a one-size-fits-all filter.

Step01

Get approved

Real underwriters review your account. Approval usually takes just a few business days, and we keep you posted the whole way.

Step02

Start accepting payments

Cards, wallets, ACH, and real-time payments, online and in person, on your existing hardware.

Step03

Get paid

Payouts land in your bank account, fully reconciled. Watch volume, approvals, and payouts in real time from one dashboard.

Step04

Kashu Pay vs. the old way.

Same cards, same customers. A very different experience behind the counter.

Features
Traditional processors
Kashu Pay
Transparent flat-rate pricing
Cards, wallets, and ACH
Works with your existing stack
0% surcharge option
Keep the terminals you own
Rates that don't creep up
Human underwriting
Support that knows your account
No surprise holds or freezes
Approved for complex or higher-risk models
Widely offered Varies by processor Rarely offered

Questions, answered.

Everything you need to know about getting started with Kashu Pay. Have another question? We're happy to help.

Still have a question? Email us
01What payment methods can I accept?+

Cards and debit are the core of every Kashu account: Visa, Mastercard, American Express, and Discover, online and in person. Want more? We can turn on ACH bank payments and digital wallets like Apple Pay and Google Pay. Tell us how your customers pay and we'll set up the right mix.

02How long does approval take?+

Underwriting usually takes just a few business days. Real people review your account instead of a black-box score, and we keep you posted the whole way so there are no surprises.

03How fast will I get paid?+

Payouts can move as fast as the next business day. Exact timing depends on your bank and the settlement rails involved, and your funds stay in segregated, FDIC-insured custody with our regulated banking partners until they reach your account.

04Do you work with international businesses?+

Yes. Kashu supports international businesses and cross-border payments. Share your details during onboarding and our underwriters will scope the right setup for your region and the currencies you work in.

05What does Kashu Pay cost?+

Transparent, flat-rate pricing with no hidden statement, PCI, or junk fees. Your exact rate depends on your business and how you take payments, so use the savings calculator above or talk to our team for a quote built around you.

06Can I use Kashu with my existing store, POS, and hardware?+

Yes. Kashu is processor-agnostic and works with the tools you already run. Drop into Shopify, WooCommerce, and popular carts online, or take payments in person on the terminals you already own.

07How do you handle chargebacks and disputes?+

You get pre-dispute alerts and a clear workflow to respond, with our team helping you gather evidence and represent the charge. We work to protect your revenue, not leave you to fight the card networks alone.

08Is Kashu secure?+

Payments run on PCI-DSS compliant infrastructure with encryption and tokenization, and every transaction is scored for fraud the instant it arrives. Your funds stay in segregated, FDIC-insured custody with regulated banking partners.

09Do I need a business bank account?+

You'll need a bank account to receive payouts. Sole proprietors can often use a personal account, while registered businesses use one in the company's name. We'll confirm exactly what's needed for your region during onboarding.

10What if my business is higher-risk or was declined elsewhere?+

We underwrite the whole picture, not a single risk score. Growing volume, higher tickets, or a model traditional processors turn away: bring it to us and real underwriters will take a genuine look.

Start accepting payments.

Tell us about your business and we'll get you set up on Kashu Pay.