Kash

No card fees & no chargeback payment API

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Kaz Nejatian
Kaz NejatianHunter@canadakaz · Kash
Hi folks. Kaz here. I'm the cofounder of Kash. Happy to answer any questions here all day. AMA.
Haseeb Awan
Haseeb Awan@haseeb · Founder, Efani
Why as a user, I wouldn't use a credit card ?
Kaz Nejatian
Kaz NejatianHunter@canadakaz · Kash
@haseeb Hi Haseeb. The answer is, it depends. First, there are many instances when credit card payments are not possible. We are working with a few companies where credit card payments would either reck their business (think insurance or really anything purely B2B) or would be too full of chargebacks and fees (some marketplaces.) Second, merchants will frequently give customers an incentive to use Kash (either through prices or loyalty.) But even where those two things are not present, lots of people don't have or like credit cards.
Haseeb Awan
Haseeb Awan@haseeb · Founder, Efani
@canadakaz So basically it would be targetted towards stores which don't accept credit card. My insurance has automatic withdrawal from my account. Is it not the case with others ?
Kaz Nejatian
Kaz NejatianHunter@canadakaz · Kash
@haseeb Many insurance products don't (and can't given the fees.) But we are rolling out at a large e-commerce vendor where the retailer is using Kash and mixing in loyalty when you use Kash over credit. In real life, think of Target Red Card which is a massive part of Target's business now. Target still accepts credit cards, but it incentivizes you to pay with the Red Card.
Archit Gupta
Archit GuptaHiring@architgupta · CEO, ClearTax
How does the API work? Also what do you guys do for security?
Kaz Nejatian
Kaz NejatianHunter@canadakaz · Kash
@architgupta Integration is super easy. Here are out docs https://docs.withkash.com. From a customer's perspective, all you need to do is login to your online banking account. Kash uses 128-bit SSL bank-grade encryption standards. All information sent to Kash is encrypted immediately using SSL. Login information is double encrypted using RSA 2048-bit before even being sent over SSL. Financial data is stored on a separate isolated hosting infrastructure decoupled from any personal account information.We’re so confident in our security that we provide up to $100K in fraud coverage per account.