Payments built for scale.
INDEPENDENT. TRANSPARENT. ACCOUNTABLE.
Build the payment ecosystem that's right for your business — your platforms, your pricing structure, your terms — with a partner who makes it all connect.
Build the payment ecosystem that's right for your business — your platforms, your pricing structure, your terms — with a partner who makes it all connect.
Better transparency, better flexibility, and a partner who's accountable to you — not to a platform.
Priced the way your business wants it — interchange-plus, tiered, or flat rate. Whatever the structure, you see exactly what you pay and exactly why.
When you contact us, you get a real person on the phone. We strive to resolve most issues the same business day.
Bring your own gateway, orchestration layer, or tech stack. We'll help you evaluate whether it's the right fit — and recommend alternatives if it isn't.
We've helped countless merchants move off platforms that own their transactions and aren't built around their business — and we're there every step of the way.
Some platforms own your transactions and make your business fit their stack. We work the other way around: you build the payment ecosystem that's right for your business, and we make it work.
Already have a gateway or orchestration layer you like? Keep it. We integrate with what you've built.
Not sure your current setup is the right fit? We'll assess it with you and give you a straight answer — including when the answer is "keep what you have."
We work with multiple platform partners, but we're loyal to your business, not theirs. If your needs change, your ecosystem can too.
We price the way your business wants to be priced — and whatever the structure, you'll see exactly what you pay and exactly why. Transparency is the constant, not the variable.
Send us a recent statement and we'll run a free analysis — a clear picture of your current costs, with no commitment to see it.
"A payments industry where transparency is the default — and where merchants have a partner, not just a processor."
Moving off a platform that owns your transactions is simpler than most merchants expect — especially with a partner who's done it countless times.
We look at your current platform, integrations, stored cards, and recurring billing together — and build a transition plan that fits your business.
We've guided countless merchants through moves off platforms that lock in their transactions. We know where the friction points are and how to get past them.
When you cut over, we're on the phone — and we stay accountable long after launch, not just through onboarding.
Qarda is run by payments executives who've spent their careers inside the industry — and built the company they wished more merchants had access to.
We know the rules of the networks from the inside — how they're written, enforced, and where they leave room to work for the merchant.
We've built and run the systems that keep transactions safe, so we can help you protect revenue without adding friction to good customers.
We've operated at the scale of the biggest processors — and we bring that discipline to businesses that were never treated like they mattered there.
For software companies and ISVs who want to embed payments into their product — turning a cost center into a revenue stream without becoming a payments company.
Earn on the processing volume flowing through your platform — a new revenue stream from payments you're already enabling.
Bring your own gateway or orchestration, or let us help you choose. We work with the stack you've built.
Acquiring and settlement are on us, with support and underwriting that scales with your merchant base — so you stay focused on your software.
Register with the card brands — Visa, Mastercard, Discover, and American Express — and it's your company name and logo that merchants see, not ours.
See how the SaaS/ISV model works — plus options for agents, referral, and strategic partners.
