About Us

Kotapay is a trusted leader in secure electronic payment processing, specializing in ACH payment solutions, direct deposit services, and credit card transaction management. Since 1993, we've helped over 107,000 clients across all 50 states move money safely, efficiently, and with confidence.

In 2018, Kotapay became a division of First International Bank & Trust (FIBT), a strategic partnership that combined Kotapay’s innovation in digital payments with the financial strength and regulatory expertise of a federally regulated community bank. This acquisition marked a pivotal moment in our growth, enabling us to expand our capabilities while staying true to our mission: building the future of electronic payments.

As part of FIBT, Kotapay launched Kavinu™, a modern embedded payments platform designed to simplify and accelerate how businesses integrate financial services. Built on proven banking infrastructure, Kavinu offers:

• Developer-friendly APIs for seamless integration
• Middleware-free architecture, reducing complexity
• Faster speed to market for fintechs and platforms
• Stability and compliance backed by a federally regulated bank

This bank-first approach sets Kotapay apart in the payments space, combining cutting-edge technology with the trust, oversight, and reliability of a traditional financial institution.