Give your customers an easier way to pay and give your business a dependable payments foundation. Karma Card Payments helps standard businesses accept cards online, in person and everywhere in between.
Fast standard approvals Online and in-person One responsive team
Approved for growth Every payment, connected
Karma PayLive
Today's processed volume
$24,680.42
184 successful payments Healthy
24-48h
Typical standard decisions
50
States served
24/7
Payment acceptance
$0
Application fee
One payments partner
Everything You Need to Accept More
Build a better checkout with practical processing tools that fit the way your customers already shop.
Credit Card Processing
Accept Visa, Mastercard, Discover and American Express with a merchant account aligned to your business model and sales volume.
Online Payments
Connect your store to a secure payment gateway for quick checkout, saved payment methods and a consistent customer experience.
Virtual Terminals
Take keyed-in payments, phone orders and invoices from any connected browser with a flexible virtual terminal.
ACH & eCheck
Offer bank-to-bank payment options that can lower acceptance costs and make larger or recurring purchases easier.
Fraud & Chargeback Tools
Add practical safeguards that help protect revenue, reduce avoidable disputes and keep your account in good standing.
Reporting That Helps
See payment activity and settlement details clearly so you can make better decisions about cash flow and growth.
Made for standard businesses
A Better Fit for the Way You Actually Sell
Whether you run a storefront, a service company or an online brand, your payment setup should feel like an advantage - not another obstacle.
Retail and specialty stores with counter or mobile checkout
Restaurants, cafes and hospitality businesses
eCommerce brands with one-time or recurring sales
Professional, home and field service companies
Processing that keeps pace
Get a payments setup that is ready for today's sales and flexible enough for tomorrow's next channel.
OnlineSecure checkout and gateway connections
In personCountertop, mobile and POS acceptance
Over timeRecurring billing and customer-friendly payments
Simple from day one
Get Up and Running Without the Runaround
A clear application, a quick review and a team that stays available after your account is approved.
1
Tell Us About Your Business
Share your business details, sales channels and what you need to accept payments. The application starts with the facts that matter.
2
Get a Clear Recommendation
We review your goals and connect you with the payment tools and account setup that fit your current volume and plans.
3
Start Accepting Payments
Launch with a supported gateway, terminal or virtual terminal, then keep your payments moving with responsive support.
Questions, answered
Standard Processing FAQ
What is standard payment processing?
Standard payment processing is card and ACH acceptance for businesses that fit typical bank underwriting criteria. It can support in-person, online and keyed transactions through a merchant account, payment gateway or point-of-sale system.
Which businesses qualify for standard payment processing?
Retail stores, restaurants, professional services, eCommerce companies and many other established legal businesses may qualify. Approval depends on your business model, processing history, volume and banking documentation.
How quickly can a standard merchant account be approved?
Many standard businesses receive a decision within 24 to 48 hours after submitting a complete application. The exact timeline depends on the information provided and the requirements of the processing bank.
Can I accept payments online and in person?
Yes. Karma Card Payments can help connect standard merchants with card processing for retail counters, mobile checkout, online stores, invoices, virtual terminals and recurring payments.
What do I need to apply for standard payment processing?
Most applications require basic business information, owner identification, a business bank account, processing statements when available and details about what you sell. Accurate information up front helps underwriting move faster.
Ready for a Better Payments Setup?
Tell us where you sell and what you want to improve. We will help you find the right standard payment processing path for your business.