The problem
Every swipe, tap and dip skims a cut off your sales. For a typical small business that's thousands a year — money that should stay in your pocket.
Get my free rate auditLost per year
Free rate audit · step 1 of 5
Takes about 60 seconds. No card, no commitment — just your real savings number at the end.
Please enter a valid U.S. phone number (10 digits).
No setup fees. A real person reads every request — usually back within 24 hours.
We'll show your savings — usually within 24 hours. Handled by a real, U.S.-based person. No call center.
Send it to BogdanOptional — this opens WhatsApp with your details pre-filled. Nothing is sent until you tap send. We already have your request by email.
Why KIPKO
The latest programs and solutions, all at a price you can afford.
Avg. saved / year
$0A Meet or Beat Rate Guarantee — you never overpay, period.
Bring your card-processing costs close to $0.
Encrypted transactions, PCI-validated.
Accept every way they pay
Tap, dip, swipe & contactless — on sleek countertop and mobile terminals.
EMV, mobile & online ordering.
Card sales in your bank the next business day.
Deposits, history, chargebacks and statements — whenever you need them.
How it works
Send a recent statement. We pinpoint exactly what you're overpaying — about 2 minutes, no obligation.
We configure your POS and terminals — and handle the switch for you.
Keep more of every sale, with next-day funding and local, U.S.-based support.
Modern payments
Tap, chip, swipe and contactless — on sleek countertop, handheld and mobile terminals. With KIPKO you keep 100% of every sale, with next-day funding and real U.S.-based support.
Industries
From restaurants to auto shops, KIPKO tailors card processing, POS and pricing to how you sell — for merchants nationwide across the U.S.
Restaurants & Food
Fast service, thin margins, busy rushes. Kipko keeps payments quick and funding fast so your front-of-house never slows down.
Restaurants & Food
Curbside lines, festivals and events — Kipko keeps mobile payments fast and reliable wherever you park, with next-day funding that keeps up with the rush.
Restaurants & Food
From taquerias to sit-down cantinas, Kipko handles split checks, big group tabs, and busy weekend rushes without a hitch.
Restaurants & Food
Mezze platters, family-style orders, catering on the side — Kipko keeps every kind of order moving smoothly.
Restaurants & Food
High-volume, low-ticket sales add up fast. Kipko keeps your morning rush flowing with quick taps and tiny processing costs.
Restaurants & Food
Higher tickets, refined service. Kipko delivers smooth tableside payments and reliable funding that matches your standards.
Restaurants & Food
Steady turnover and frequent tabs. Kipko keeps checkout fast so tables turn and guests leave happy.
Restaurants & Food
Servers, bar tabs, takeout — a lot moving at once. Kipko ties it all together with reliable, fast payments.
Beauty & Wellness
Bookings, tips, product sales, and rebooking — Kipko makes the chair-to-checkout flow effortless.
Beauty & Wellness
Higher-value treatments, packages, and deposits. Kipko handles big tickets and recurring plans with secure, compliant processing.
Healthcare
Co-pays, balances, and payment plans, handled simply. Kipko keeps billing secure, compliant, and easy for patients.
Healthcare
From cleanings to crowns, Kipko handles small co-pays and large treatment balances with equal ease.
Other
Project fees, retainers, recurring invoices. Kipko makes getting paid on time effortless — with flat, honest pricing.
Other
Get paid on the spot, wherever the job is. Kipko gives your crew mobile payments that work anywhere, plus fast funding.
Retail
Keep the line moving. Kipko delivers quick, dependable in-store and online payments with low, fair pricing.
Retail
Personal service deserves a smooth checkout. Kipko handles in-store sales, fitting-room flexibility, and online orders alike.
Retail
High volume, lots of small sales, maybe a café counter too. Kipko keeps every transaction quick and cheap to process.
Retail
Lots of small, varied sales and donations to track. Kipko keeps checkout simple and processing costs low.
Automotive
Repairs and parts run into real money. Kipko handles big service tickets with transparent rates and quick funding.
Automotive
Large transactions, deposits, and financing-adjacent payments. Kipko supports high-ticket sales with dependable funding.
Automotive
Parts sales, in person and shipped nationwide. Kipko handles varied transactions with low cost and fast funding.
Real owners · real savings
Watch business owners explain how they dropped their card fees to $0 — then get the same free rate audit. No contracts, no pressure.
Book a free rate auditVideo testimonials
Real merchants on lower fees, faster funding and support they can actually reach. More stories on the way.
“Our card fees basically disappeared — and the switch took a day.”
Sample OwnerMexican Restaurant
“One call handles everything. Funding hits the next morning.”
Sample OwnerAuto Shop
“Honest pricing, no surprises. I keep more of every sale.”
Sample OwnerBoutique
Our costs are clear and concise, without any hidden fees that may take you by surprise.
With one phone call, we can assist with account maintenance, processing inquiries, technical matters, point of sale training, and more!
With in-house development and support of our own products, you can rest assured your business will always be up and running at full speed!
A note from our President
For 15 years I've helped merchants cut card-processing costs and keep more of every sale. My job is simple: make payments effortless so you can focus on growing your business.
An immigrant from Almaty, Kazakhstan, I've called the U.S. home for 33 years. I lead with integrity — backed by a local team and real 24/7 U.S.-based support.
Looking forward to winning together!
FAQ
Most businesses pay more in card fees than they realize. KIPKO can bring your processing cost close to $0. Send a recent statement and we'll show your exact number.
Batch out by the daily cutoff and your card sales land in your bank the next business day — Mondays included.
Usually we can work with Clover® POS systems and ProCharge® terminals. If anything needs changing, we'll tell you upfront — no surprises.
No long-term contracts and no hidden fees. Pricing is clear and upfront, and we back it with a Meet or Beat Rate Guarantee.
KIPKO serves merchants nationwide across the U.S. Wherever your business is, you get local, U.S.-based support you can reach by phone or WhatsApp.
Talk to a local specialist — one call covers account, processing, tech, and POS training.
