For Merchants
MORE CUSTOMERS. NO CARD CHARGEBACKS. MORE REVENUE.
KAELUM Gives Customers A Clear Reason To Buy From You: A 6%+ Merchant Discount When They Spend KAE. There Is No Card Interchange On KAE Payments, And Disputes Run Through A Governed Process Instead Of Card Chargebacks.
Card payments are extracting your margin
Visa and Mastercard handled around 61% of euro area card payments in 2022 (ECB), and up to 95% of UK card transactions run on the two networks. Every card transaction carries interchange and scheme fees and depends on US-owned infrastructure. KAELUM is built to reduce that dependency and return more of each sale to merchants and their customers.
Card networks charge merchants 1.5% to 3.5% on every transaction. On £1M of annual revenue, that is up to £35,000 taken before you see a penny of profit.
Fraudulent chargebacks mean you lose the goods and the payment. Dispute resolution takes weeks and rarely favours merchants. The average chargeback costs £15 in processing fees alone.
Running your own loyalty programme costs time and money. Customers forget their cards. Points expire. The administrative burden outweighs the customer retention benefit for most merchants.
The EPI CEO called urgently in February 2026 for Visa and Mastercard alternatives, and in September 2026 Europe's leading payment apps launched the European Network for Payments to connect their rails. The rails are changing. KAELUM is building the agentic commerce layer that runs on top of them.
Live on KAELUM in four steps
Getting your business into the KAELUM ecosystem is straightforward. K.A.T.E. handles compliance, onboarding, and integration support automatically.
Submit your merchant application on kaelum.app. K.A.T.E.'s onboarding agent guides verification. Business registration and identity checks handled automatically.
Activate your merchant account with 3,600 KAE (£720.00 at the fixed KAE price). This is your commerce capital in the ecosystem, not a subscription fee.
Configure your merchant discount rate (minimum 6%). Higher discounts attract more KAE-holding customers. KAELUM's merchant tools show optimal discount modelling for your category.
Display the KAELUM acceptance mark and start receiving KAE payments. Transactions are governed by K.A.T.E. with full audit trails. Fiat redemption available through KAELUM's payment infrastructure.
Every transaction works harder for you
KAELUM combines no card fees, Ai agent-ready checkout and a fair dispute process into a single commerce platform membership.
KAELUM does not run on card rails, so there are no card chargeback fees. Disputes go through KAELUM's governed dispute process, with clear response windows, evidence on both sides and a recorded outcome.
Every KAELUM customer holds KAE that they are motivated to spend at the 6%+ merchant discount. The platform surfaces your business to customers actively seeking merchants that accept KAE.
KAELUM is not a card network. There are no interchange fees on KAE transactions. Every pound your customers spend with KAE stays in your business, not in Visa or Mastercard's network.
Your merchant dashboard includes K.A.T.E.-powered analytics on spending patterns, customer behaviour, and discount optimisation. The Merchant Performance Agent monitors your position and surfaces actionable insights.
Merchants can manage supplier payments, utility bills, and business expenses through KAELUM's Bill Pay system, using KAE balances to streamline commercial payment flows within the ecosystem.
What does KAELUM add to your bottom line?
Adjust your monthly KAE transaction volume to see an illustrative estimate. Based on card interchange fees of 1.5% that KAE payments do not carry. Illustrative only, not a forecast.
Sending KAE to other people
Accepting KAE payments from customers, in store, at a pop-up, or through Paylinks, is never limited. These limits apply only to person-to-person transfers you send, and they keep every account safe from fraud and misuse. All amounts are shown in KAE.
| Merchant account | Per transfer | Per day | Per 7 days |
|---|---|---|---|
| Unverified | 60,000 KAE | 240,000 KAE | 480,000 KAE |
| Verified | 75,000 KAE | 300,000 KAE | 600,000 KAE |
Verify your merchant account to move up to the higher limits. Daily limits reset each day; the 7-day limit is a rolling window. Customer payments you receive for goods and services are never limited.
KAELUM vs Card Payments
The European payments system is built to extract value from merchants. KAELUM is built to deliver it.
| Feature | KAELUM KAE | Visa / Mastercard | PayPal | BNPL |
|---|---|---|---|---|
| Card chargeback fees | ✓ None | ✗ Common | ✗ Common | ✗ Common |
| Interchange fees | ✓ None | ✗ 1.5–3.5% | ✗ 2.9%+ | ✗ 2–6% |
| Ai transaction governance | ✓ K.A.T.E. | ✗ | ✗ | ✗ |
| Customer incentive to return | ✓ 6%+ merchant discount | ✗ | Sometimes | ✗ |
| UK-built, Europe-focused | ✓ UK company | US-owned | US-owned | Varies |
Model your restock capture
If your restocks sell out fast, the loyal customers who miss them are demand you already earned and lost. Our interactive Restock Capture Model shows how KAELUM lets your community pre-commit spend ahead of a drop, so that demand becomes visible and ready. It never touches your prices, and nothing goes on sale.
See your own KAELUM against restock patterns.
Move a few sliders to match your drops and see, illustratively, how much demand you could make visible and ready with pre-committed KAE. No discounting. Nothing on sale.
Open the Restock Capture ModelMerchant frequently asked questions
Stop giving your margin to card networks.
Apply as a KAELUM merchant today. No interchange fees. No fee on payments you receive. Customers with a clear reason to choose you.
Apply as a MerchantKAELUM ('Kay-Lum') is a Closed-Loop, Non-Crypto, Agentic Ai-Native Digital Commerce Currency Platform designed for commerce, not speculation. Spend KAE at partnered Merchants or Creators and unlock a 6%+ merchant discount; a 4.5% platform transaction fee applies. KAELUM Technologies Ltd, England & Wales No. 16681154.