Kubera Payments
604.484.9278 Free statement review
Independent payment consultants · North America

The right processor for your business.Not ours.

Kubera is not a processor. We read what you pay today line by line, then fit the hardware and the acquirer to how your business actually runs.

Hardware, structure, support. Fitted to how you run, deployed around your hours.

Show me what that looks like for a
Real hardware, per business type

What we actually deploy, by business type.

Deployed for businesses across North America

A recommended payments partner of the BC Chamber of Commerce

“…our team particularly loves that tipping has increased by 15% across the chain because of Clover's tip presentation.”
Matt SmithVP, Blenz Coffee
“Kubera has been an invaluable resource for our business. Their knowledge and expertise in various vertical markets have helped us navigate the world of payment systems…”
Ken OdakaDirector of IT, Cypress Mountain
“Both the setup support and the long term service our members receive from Kubera Payments is heads and tails above what they receive from the call centres at the traditional bank processors.”
Ian TostensonPresident & CEO, BC Restaurant & Food Services Assoc.
“The Kubera support team provides extremely rapid responses to support requests as well as offering phone support with no automated phone tree during office hours.”
Blair CresswellPrincipal, Jixaw Technologies
“The dedicated continuity of service our clients receive from Kubera ensures a much more efficient and transparent process compared to working with the big banks.”
Boris IssaevCo-Founder, ParkPass
“Kubera is our trusted partner, bringing value and efficiency to your payment processing needs.”
BC Chamber of CommerceRecommended payments partner
100%independent: we answer to you, not to an acquirer
1 to 2business days to a line by line breakdown of your statement
15%tip increase at Blenz Coffee after deployment
$0for the statement review, with no obligation attached

The number most owners have never seen

What does your payment system run in a year?

Monthly card volume $150K
$5K$50K$250K$1M$5M
Estimated yearly processing cost $51,300

Illustrative, at a typical 2.85% blended rate. A system this size deserves better than guesswork.

Have my statement read

Anatomy of a processing statementAn illustrative statement with fee lines grouped into three bands: interchange set by the card networks, network assessments, and the acquirer margin, the layer your agreement sets.CARD PROCESSING STATEMENTMERCHANT 0000 0000 · PERIOD 06/01 TO 06/30VISA INFINITE INTERCHANGE1,248.31VISA STANDARD INTERCHANGE402.17MC WORLD ELITE INTERCHANGE612.40MC CORE INTERCHANGE231.09INTERAC FLASH96.12FOREIGN CARD INTERCHANGE184.55VISA ASSESSMENT FEE88.20MC ASSESSMENT FEE71.44CROSS BORDER ASSESSMENT24.63PROCESSOR MARGIN391.72STATEMENT FEE25.00PCI NON COMPLIANCE FEE39.95MONTHLY MINIMUM SHORTFALL18.50Interchangeset by the card networksAssessmentscard network feesAcquirer marginset by your agreementTOTAL FEES3,434.08
An illustrative statement. Three distinct layers on every page, and most owners have never had one walked through.

Let our experts review your current processing profile.

It starts with a discovery call. We review your workflows and the systems you run, then come back with recommendations that fit how your business actually operates.

01

Book a discovery call

A short call to walk through how you take payments today: your workflows, your systems, and what matters to your operation.

02

We review your processing profile

Our experts look at your setup end to end, hardware, integrations, and structure, with an eye to updates that would benefit your business.

03

You decide

If your setup already fits, we tell you so. If it does not, we design the right stack and deploy it around your operating hours.

Meet the team

Kubera, in our own words

Kubera Payments video

Independent, and it matters

Think of us like a mortgage broker, but for payment services. Kubera is not a processor and does not own one. We are a registered agent across several acquirers and gateways, which means we have no reason to steer you anywhere in particular.

Kubera at the centre of its partner platforms: Elavon, TSYS, Clover, Planet, Windcave and Authorize.netKuberaindependentElavonUS BankTSYSCloverFiservPlanetWindcaveAuthorize.net

Kubera Payments Corporation is a registered agent of the partners listed. Full disclosures in the footer.

Systems we deploy into

CloverPOS hardware & apps ElavonAcquiring, Canada and US FreedomPayHotels, F&B, venues FuseboxEnterprise payment gateway CybersourceOnline and omnichannel Authorize.netEcommerce and virtual terminal WindcaveAttractions, unattended, Tessitura TSYSCard acquiring platform

Who we work with

RestaurantsTips, splits and table speed RetailVolume priced as volume Hotels & ResortsFolio to checkout AttractionsGates, passes and peak days AutomotiveService bays to parts counters TaxiPaid at the curb Wholesale & B2BCorporate cards done right Other industriesAny business that takes payments

Ways to get paid

Credit cardsThe three fee layers Interac debitOften cents, not percentages Tap to payApple Pay and Google Pay Online paymentsAbove the interchange floor Recurring billingStored cards, managed failures EFT & PADCanada's bank to bank rail

Where we work

A BC team, deploying across North America

Kubera is a recommended payments partner of the BC Chamber of Commerce. Our office is on Granville Street, and we answer our own phones.

Photo: Quintin Soloviev, CC BY 4.0

Common questions

Will you be the least expensive option?

Not always, and we do not try to be. Kubera fits systems for businesses that want the right hardware, clean integrations and support that answers the phone. The statement review shows you exactly what you are paying and what you are getting for it, and what you do with that is your call.

What does the review cost?

Nothing, and there is no obligation. It answers a question every owner should be able to answer: what am I paying, and what am I getting for it?

Will switching disrupt my business?

If we are selected, our payments update is scheduled around your business operations, so there is no downtime during the update process.

What if I am not satisfied?

In most cases we have closure costs waived or cover them ourselves if you are not satisfied with a solution we deployed, so you can treat the deployment as month to month.

I am a Chamber member. Does that change anything?

Kubera is a recommended payments partner of the BC Chamber of Commerce. Mention your Chamber membership when you get in touch and we will take it from there.

See exactly what you are paying for

Send a recent statement. We come back within 1 to 2 business days with a line by line breakdown. No obligation, just numbers.

Get my free statement review Talk to a human who knows payments

Concept prototype