Powerful, intelligent payments for every business.
Higher approvals, fewer chargebacks, and a payments partner that actually shows up. The infrastructure once reserved for the biggest companies - made simple.
Most providers fix one slice. We look at the whole business.
Kumaa Pay is built for European online merchants who want their payments to do more than just process. Orchestration, fraud and chargeback protection, and revenue recovery work together - so approvals go up, disputes go down, and you spend less time fighting your payment stack.
Three tools. One payments engine.
Kumaa Payments
Everything you need to get paid.Use our end-to-end solution. Integrate with reliable, intuitive APIs and convenient out-of-the-box features. Manage payment operations with productivity-enhancing tools for fees, compliance, and more.
Kumaa Orchestration
Don't trust us. Trust the data.Plug in all your payment providers, then compare, control, and switch routing whenever it makes commercial sense. Add the methods your customers expect - cards, open banking, Apple Pay, Google Pay, payment links, tokenization - without rebuilding your checkout.
The result: higher approval rates, less dependence on any single processor, and fewer sales lost to declines.
Kumaa Guard
Everyone else reacts. We prevent.Real-time fraud detection and chargeback prevention in one place - stopping disputes before they're ever created. Every processor fights fraud for the cardholder; Guard is built to protect the merchant.
More on Kumaa Guard below.
Business tools
The day-to-day essentials for billing and getting paid, built in.
Growth tools
Flexible ways to bill, recover revenue, and keep customers coming back.
Fits your stack
Connect the way that suits you - drop-in, developer-led, or plugin.
Stop chargebacks before they're born.
Friendly fraud doesn't look like fraud - it looks like a normal sale, until the customer disputes a charge they really made. By then the product's shipped and the fees are paid. Every chargeback tool on the market kicks in after the damage is done. Kumaa Guard stops it at checkout.
React after the dispute.
- 1Customer places an order. Nothing flagged.
- 2You ship. The customer receives it.
- 3Customer disputes - and the tools finally kick in.
- 4You get an alert. Every one carries a fee.
- 5Refund or fight with evidence. You lose either way.
- 6Product gone, fees paid, record hit.
Intervene at checkout.
- 1Signals are collected silently as the customer browses.
- 2First check: a risk score at the gateway.
- 3Passes? Card details entered as normal.
- 4Second check: the card evaluated before the charge.
- 5You control the response. Your rules.
- 6Risky orders route to a non-disputable method. No chargeback.
Every payment processor fights fraud for the cardholder. Almost no one looks out for the merchant. Kumaa Guard is the one system that intervenes before a chargeback can ever be created.
Designed for European merchants - and their constraints.
Kumaa Pay is a European payments company built around how European businesses actually operate: the payment methods they need, the banking relationships they rely on, and the compliance expectations they face every day. Strong card and open-banking support, not a global product bent to fit.
Cyprus
European base of operations
Switzerland
European base of operations
Clear onboarding
Upfront KYC and chargeback review, so growth doesn't trigger a freeze
When it breaks at the worst moment, we're there.
A campaign, a traffic peak, a sudden spike in volume - those are the moments other providers go quiet. Here's what merchants say about ours.
Friendly fraud was eating us alive. Customers would order, receive everything, then dispute it. After Kumaa Guard scored orders at checkout, the chargebacks were gone. Not fought. Not refunded. They never happened.
With digital products there's no proof of delivery. Someone buys a course, watches every module, then disputes. Guard runs two checkpoints before the transaction processes. Chargebacks went from a weekly crisis to something we barely think about.
We run short, time-sensitive campaigns, and our old providers always failed at the worst possible moment. The Kumaa Pay team stepped in and fixed things in real time. The campaigns actually went through.
Getting onboarded elsewhere was easy - until our volumes grew and they froze our funds and demanded extra documents. Kumaa Pay was upfront about everything from day one. No surprises when we scaled.
Ludovic Vuillier
“Every tool on the market was solving the wrong problem. They wait for the chargeback to happen, then try to clean up the mess. We stop it at checkout. That's it.”
15 minutes. I'll show you what Kumaa Pay looks like on your checkout - orchestration, Guard, and the rest of it, on your real numbers.
Book a Call with Ludo