Software companies live and die by recurring revenue. We deliver SaaS merchant accounts with reliable recurring billing, smart retries and the chargeback protection that subscription models demand.
From B2B platforms and mobile apps to usage-based and free-trial models, we support the way modern software companies bill - including subscriptions, upgrades, add-ons and metered usage.
You will work with a dedicated account manager who helps you choose the right SaaS payment solutions and guides you through setup. We integrate with the billing, CRM and accounting tools you already use - no heavy engineering required.
Once you apply, you will complete a short online application covering your company, its size and your payment needs. After review, a member of our SaaS payment processing team will reach out to finish setting up your account, typically within 24-48 hours.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments to process payments for your SaaS business. Here are the key benefits our SaaS payment solutions offer.
Our SaaS payment gateway handles recurring billing, free trials, proration and dunning out of the box, with smart retries that recover failed payments and reduce involuntary churn.
Forgotten subscriptions are a leading cause of disputes for software companies. We use advanced prevention tools and clear billing descriptors to reduce chargebacks and help you contest friendly fraud.
Fraud prevention is built into every solution we offer. Sophisticated detection flags suspicious sign-ups and stolen-card trials before they process, protecting your revenue and your reputation.
We provide omnichannel SaaS payment processing for self-serve, sales-led and hybrid software businesses of every size.
Share your contact details and a member of our SaaS payment processing team will schedule a call to build the right solution for your software business.
Answers to the questions SaaS businesses ask us most about accepting payments, fees and getting approved.
We provide omnichannel payment solutions designed for SaaS businesses:
Online: A secure payment gateway lets you accept credit card and ACH payments from customers - including one-time transactions, subscription billing and recurring payments.
Retail: For in-person sales we provide POS software and card readers for operations of all sizes.
Over the phone: Virtual terminals make it simple to accept payments over the phone with added convenience and security.
Processing fees typically range from 2% to 3.5%, depending on card brand, transaction type and your billing model. Subscription businesses with free trials and recurring billing can carry higher dispute exposure, which is reflected in pricing.
Our mission is to offer affordable, transparent processing tailored to SaaS businesses, helping you avoid excessive fees while staying compliant with Visa and Mastercard requirements.
To help expedite approval, please gather the following before applying:
Your website should use HTTPS with a valid SSL certificate and include your legal business name, contact details, a Privacy Policy, Terms & Conditions and a Refund Policy.
SaaS is treated as medium-risk because of recurring billing, free trials, card-not-present transactions and the disputes that come from forgotten or canceled subscriptions. That classification is exactly why a specialized processor matters - we underwrite subscription businesses every day and build in the protections needed to keep your account stable.
Most SaaS merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Having your paperwork and a compliant website ready ahead of time is the fastest way to get up and running.
