Real-Time Payments

The Dynamic
Payments Exchange

Where Merchants Save and Acquirers Win. In Real-Time. We replace static contracts with a dynamic marketplace.

It's high-frequency trading applied to payment processing fees.

Merchants Acquirers Exchange

The Problem

The payments landscape is static and inefficient for everyone involved.

Merchants Are Locked In

Retailers are stuck with fixed, often high processing rates regardless of market conditions. They have no leverage to negotiate better rates in real-time.

Acquirers Lack Dynamic Tools

Banks and processors have processing capacity waiting to be filled but lack a dynamic lever to attract volume instantly when they need it most.

The Solution

We've built the world's first Real-Time Bidding & Routing Exchange.

We replace static contracts with a dynamic marketplace. Our platform sits between merchants and acquirers, allowing acquirers to bid for transaction volume by temporarily lowering their fees, and instantly routing merchant transactions to the lowest bidder.

"It's high-frequency trading applied to payment processing fees."

BEST BID Bank A Bank B Bank C Bank D Live Bidding

How It Works

Three simple steps to dynamic payment optimization.

1

Merchants Connect

Retailers connect their POS or E-commerce stream to our secure platform one time. Simple integration, immediate access to the exchange.

2

Acquirers Bid

Banks and processors monitor network volume. When they want more business, they submit a "flash bid" to lower their rates for a specific card type for a limited time.

3

Instant Routing

Our engine updates instantly. The very next customer swipe is automatically routed to the acquirer offering the best real-time rate.

The Value Proposition

Everyone wins in the Kanooga exchange.

For Merchants

Stop Overpaying. Start Optimizing.

  • True Least-Cost Routing: Route based on who wants your business right now.
  • Automated Savings: No manual negotiations. Savings happen in milliseconds.
  • Agnostic & Reliable: Multiple providers ensure high availability.

For Acquirers

On-Demand Volume Control.

  • Win Volume Instantly: Drop a strategic bid and watch transactions flood in.
  • Dynamic Pricing Strategy: Optimize margins based on system capacity.
  • Zero Acquisition Cost: Gain new flow without expensive sales campaigns.

Secure. Compliant. Fast.

Built on enterprise-grade, PCI-compliant infrastructure designed for ultra-low latency.

PCI DSS Compliant
Ultra-Low Latency
Enterprise-Grade

Ready to Join the Exchange?

Transform your payment processing with real-time optimization. Fill out the form below and our team will get back to you shortly.

Or reach out directly:

tellmemore@kanoogapayments.com