About Us

In 1993, Kotapay set out to be the leading electronic payments processor in the industry. Since then, more than 107,000 customers across all 50 states have trusted us to process their electronic transactions, from ACH payroll direct deposit and direct payments to credit card processing. Put simply, we’re here to make sure your money gets to where it’s intended to go, so you can focus on what’s important – your business.

Partner with a proven and trusted industry leader, choose Kotapay.

The changing regulatory landscape and evolving needs of the electronic payment industry require an agile approach to payment processing. In 2018 we joined forces with First International Bank & Trust to ensure we met the changing needs head-on with the resources only a financial institution could provide. From there we became known as Kotapay. Our new name represents our pride in the northern prairie and our North Dakota roots. It embodies what is great about our company today and what we hope to achieve in the future.

Reimaging Embedded Payments

Kavinu is our response to a banking as a service (BaaS) model ripe for disruption and in need of stability. The platform is a developer-friendly, API-driven technology hub built on our existing systems that are already supporting payment processing at significant scale. Structurally, the platform is designed to eliminate unnecessary middleware providers and elevate the role of the bank. Kavinu clients will create and innovate with confidence knowing their fintech solution is built on proven technology with an industry leader.