About Kanooga

The company building the world's first competitive marketplace for payment processing fees.

Our Mission

Payment processing is one of the largest recurring costs merchants face — yet for decades, the fees have been set through static contracts, annual renegotiations, and opaque pricing. Acquirers, meanwhile, have no efficient mechanism to compete for transaction volume in real time. Both sides lose.

Kanooga was founded in 2025 to change this. We believe payment processing fees should be determined by live market competition, not locked-in agreements. Our mission is to make payment routing transparent, dynamic, and fair for every participant in the payments ecosystem.

What We Built

Kanooga is a real-time bidding and routing exchange for payment processing. Think of it as a stock exchange, but for payment fees. Merchants connect their POS or e-commerce payment stream once. Acquirers submit "flash bids" — temporarily lowered processing rates for specific card types and time windows. Our engine routes every transaction to the acquirer offering the best rate at that moment.

The result: merchants save on every transaction without lifting a finger, and acquirers gain instant access to new volume without expensive sales campaigns. Both sides get a real-time dashboard with full transaction visibility, reporting, and API access.

The platform is built on enterprise-grade, PCI DSS-compliant infrastructure designed for millisecond-level latency. It integrates with existing payment stacks — including multi-acquiring gateways and switching platforms — without requiring merchants or acquirers to replace anything they already use.

Why It Matters

The global payments industry processes trillions of dollars annually, with merchants collectively paying hundreds of billions in processing fees. Even small reductions in basis points translate to massive savings at scale. By introducing genuine, real-time competition into this market, Kanooga doesn't just reduce costs — it restructures the economics of payment processing itself.

For acquirers, the exchange opens a new channel for volume acquisition that is faster, cheaper, and more flexible than traditional sales-driven models. Instead of competing on relationship and contract terms alone, acquirers can compete on price and capacity in real time.

Whether you're a merchant looking to reduce processing costs or an acquirer looking to grow volume, we'd like to hear from you.

Get in Touch