Accept KAD Payments Everywhere
Grow your business with Africa's resource-backed currency. Same-day settlements, 0.5% fees, and BNPL built in.
Why Merchants Choose KAD
Lower fees, faster settlements, and built-in BNPL that increases your average order value.
Same-Day Settlements
Receive funds the same day. No more waiting 3-5 business days for bank settlements.
Lowest Fees in Africa
Just 0.5% per transaction with no monthly fees, no setup costs, and no hidden charges.
BNPL Built In
Offer buy-now-pay-later at checkout. Increase conversion by up to 30% — you still get paid instantly.
97.8% Fraud Detection
AI-powered fraud prevention protects every transaction. Chargeback rate under 0.1%.
Multi-Currency Support
Accept KAD and settle in ZAR, NGN, KES, GHS, or USD. Automatic FX at interbank rates.
Real-Time Analytics
Track sales, settlements, and customer trends with a live merchant dashboard.
Three Ways to Accept KAD
Whether you're a corner shop or an enterprise platform, we have the right integration for you.
In-store payments
Point of Sale
Accept KAD at your physical store with NFC tap-to-pay and QR code scanning. Works on any Android device.
- NFC tap-to-pay
- QR code payments
- Receipt printing
- Offline mode
E-commerce integration
Online Checkout
Add KAD payments to your website with a hosted checkout page or embeddable widget. Supports 3D Secure.
- Hosted checkout
- Embeddable widget
- 3D Secure
- Recurring billing
Full developer control
API Integration
Build custom payment flows with the RAPI payments API. SDKs for Node.js, Python, Go, Ruby, PHP, and Java.
- RESTful API
- Webhooks
- Sandbox testing
- SDKs for 6 languages
Everything You Need to Run Your Business
Payments
Accept KAD in-store, online, or in-app
BNPL
Offer pay-in-4 or flex plans to customers
Settlements
Same-day settlement in KAD or fiat
Refunds
One-click refunds via dashboard or API
Subscriptions
Recurring billing with auto-retry
Invoicing
Send KAD invoices with payment links
Simple, Transparent Pricing
No setup fees. No monthly minimums. Pay only when you get paid.
Standard
per transaction
- No monthly fee
- Same-day settlement
- BNPL included
- Dashboard & analytics
- Email support
Enterprise
volume-based pricing
- Volume discounts
- Instant settlement
- All Standard features
- Dedicated account manager
- Priority API support
- Custom integrations
Integrate in Minutes
The RAPI merchant API is designed for speed. Accept your first payment in under 10 minutes.
1curl -X POST https://api.karatdollar.com/rapi/v2/merchants/charge \2 -H "Authorization: Bearer sk_live_..." \3 -H "Content-Type: application/json" \4 --data-raw '{5 "amount": 450.00,6 "currency": "KAD",7 "customer_email": "buyer@example.com",8 "description": "Order #1234",9 "callback_url": "https://yourstore.com/webhook",10 "metadata": {11 "order_id": "ORD-1234",12 "platform": "YourStore"13 }14 }'
Start Accepting KAD Today
Join thousands of merchants across Africa already growing with KAD.