Kimoby Pay FAQ

Getting Started 

1. What is Kimoby Pay? 

Kimoby Pay allows businesses to send secure payment requests through text messages. It’s a fast, convenient, and easy mobile checkout solution that simplifies your payment operations. Send automated payment requests based on certain triggers, process refunds, share invoices, attach pictures and videos, and easily conciliate your end-of-day payments. You can learn more about Kimoby Pay here.

2. How can I set up Kimoby Pay? 

Kimoby Pay is quick to install and deploy. Just enter your banking information in our Kimoby Pay request form to start sending secure payment requests and begin receiving deposits.

3. Where is Kimoby Pay available?

Kimoby currently supports businesses in the USA and Canada. Once integrated with Kimoby Pay, you can instantly accept payments from anywhere around the world.

4. What are the rates for Kimoby Pay?

The standard rate is 2.9% + $0.30 per successful transaction for Visa and Mastercard, and 3.4% + $0.30 per transaction for American Express. There are no setup fees, installation fees, or monthly ongoing fees. If you have a high volume of transactions, please contact us and we’ll find an option to reduce your credit card fees.

5. Are there any other fees?

With Kimoby’s simple and transparent pricing there are no hidden fees and you only get charged when you receive money. Unlike with other payment services, you’ll never be charged for failed transactions, stored cards, or recurring payments. Note that if you accept payments in other currencies, Kimoby charges an additional 2% to automatically convert those funds before depositing them in your account.

Payment Processes 

1. What payment types are available? 

Kimoby Pay allows your clients to pay by credit card and in some instances, Apple Pay and Google Pay. We support Visa, Mastercard, and American Express, UnionPay, Discover, JCB and Diners Club credit cards, as well as Visa and Mastercard debit cards.

2. Does Kimoby Pay affect the rest of my business’ payment processing?

No, Kimoby Pay is independent of your physical Point of Sale (POS) services and connects directly to your bank account. It won’t change your payment routine, but it will allow you to receive payments through a new channel, by text message, so that your clients can pay online whenever and wherever they like. They won’t have to come into your business once they’ve paid online.

3. When does Kimoby Pay transfer money into my account?

When a payment is processed, you will receive the full amount of the transaction within 2 business days in the United States and 3 days in Canada on a rolling basis and you will be charged the transaction fees on every payment processed, at the end of the month depending on the type of setup you have. The schedule is dependent on your country and whether your business operates in a higher-risk industry or not. Although Kimoby initiates an electronic deposit into your bank account daily, most banks deposit payouts as soon as they are received.

4. How do I handle disputes?

You’ll work directly with Kimoby to handle any disputes or refund requests. However, Kimoby is by no means liable for conflicts between you and your clients concerning an amount, non-payment, or any other billing-related issue (See sections 3-4 of Kimoby Pay's Account Agreement).

5. How do I keep track of all these transactions?

Your Kimoby Pay menu lets you view payments and customers, manage refunds, transfers to your account, and more. Log in here.


1. Is Kimoby Pay secure and PCI compliant? 

Kimoby Pay’s infrastructure is provided by Stripe and Spreedly. They are audited by a PCI-certified auditor and certified to PCI Service Provider Level 1 (highest level of certification available). You can learn more about the technical details of this infrastructure here.

2. Will fraudulent payments or cards be rejected?

Kimoby provides several tools to minimize fraud losses and help businesses determine if a transaction is fraudulent. They allow Kimoby to auto-reject suspicious transactions and send notifications when questionable charges are raised. Additionally, Stripe, our service provider, works with its financial partners and credit card networks to monitor fraud globally. Here is more information on Stripe.

How can I get in touch with Kimoby?

If you have any questions or comments, please contact our support team at

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