— Manifesto —
We don't believe
in any of this.
// we don't believe in
// we do
— Process —
Four steps. No theatre.
Average elapsed time from first application to first authorised charge: under three business days. These are the four checkpoints between you and a live merchant account.
Tell us about your operating currency, monthly volume, and chargeback ratio. A two-minute form filters early so neither side wastes their afternoon.
Upload company docs, beneficial-owner identities, and processing history. Our compliance ops team turns it around inside one business day, every time.
Read the one-page MSA, pricing schedule, and rolling-reserve terms. Counter-sign in DocuSign. No legal-team back-and-forth on standard merchant accounts.
Hit the API, drop in a hosted checkout, or route through your existing PSP. Live transactions in production within four hours of contract execution.
— Mentioned in —
Forbes
“listed under '15 fintechs to watch 2026'”
The Information
“Kliro's settlement layer hits T+0”
Pymnts.com
“the new wave of merchant-of-record stacks”
FinTech Weekly
“top of issue #487”
Sifted
“European acquirers move stateside via Kliro”
Placeholder press references for design preview only.
— Live —
What's happening
right now (demo data).
— From the founder —
A note from Hanna.
I spent eleven years inside a tier-one acquirer in Stockholm. I watched good companies get told they would be live in two weeks and stay stuck for four months. I watched reserves balloon and never get released. I watched merchants email a support address that no human read.
Kliro exists because I refuse to ship that experience to a single operator. We are small on purpose. We answer in hours, not days. We pay out on the schedule we promised the day we signed. When the spread moves, we tell you the same week, not the same quarter.
We will say no to merchants we cannot serve well. We will not sell you a product that does not exist yet. We will not hide network fees in a footnote. If any of this changes, this letter stays here and you can hold it against me.
Hanna Lindqvist
Founder · Kliro LLC
— Roadmap —
Where we're going.
Five quarters, published in public. We move the dates here before we move them in private.
Q1 2026
Foundation
shipped
Q2 2026
Iowa banking partner signed
planned
Q3 2026
Public API
planned
Q4 2026
EU expansion
planned
Q1 2027
MOR program
planned
— Application —
step 1 of 3
Begin where it
actually starts.
Average decision time: 2 business days.