Banking as a Service, Reimagined.
Experience the future of Banking as a Service (BaaS). Kavinu is a breakthrough embedded payments technology platform that removes the fractured middleware model, accelerates speed to market, and boosts revenue.
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A Bank-First Approach to Embedded Payments.
Kavinu redefines the Banking as a Service (BaaS) model by removing the middleman and providing direct access to a trusted bank partner. Backed by more than a century of banking experience and stability from First International Bank & Trust, you can create and innovate with confidence knowing your fintech solution is built on a solid foundation.
Built On Award-Winning Payments Infrastructure.
Kavinu is a pioneering platform powered by the experienced payment movers at Kotapay. More than 107,000 employers and 2.5 million employees across all 50 states have trusted us to process their electronic transactions - from ACH payroll direct deposit and direct payments to credit card processing. You can count on us to continue to evolve, help protect your hard-earned revenue from fraud and be here for you when you have questions.
A Full Suite of Features
Unmatched Speed to Market
With no middleware slowing you down, you can deploy your fintech solutions more quickly, leading to happier customers.
Keep More Revenue
Without the middleman, you no longer need to share a portion of your hard-earned revenue. More profit stays in your pocket, enhancing your bottom line.
Simplify Your Partnerships
Choosing Kavinu means a single, hassle-free contract. No need to juggle multiple agreements or navigate layers of third-party services. With Kavinu, you work directly with us.
A Foundation You Can Trust
With more than a century of experience, First International Bank & Trust provides you the stability and confidence to responsibly grow.
Kavinu grows with you, providing the scalability needed to meet your customer’s evolving needs.
Deliver a First-Class User Experience
Our API suite is cloud-native and developer friendly, designed for unmatched scalability and ease-of-use for product teams and developers to create user experiences that truly stand out.
Seamless Integration Across Payment Rails
Kavinu is a rail-agnostic BaaS platform that allows your payments to travel along the rail that aligns with your business’s specific needs.
Collaborative Compliance
We work together with our partners to proactively manage risk and compliance, so you can focus on building your business.
"Kotapay has the unique capacity to reshape the embedded payments landscape. Kavinu is a natural evolution of our proven technology platform, supported by an expert team that has been moving money at scale for over three decades."
- Trent Sorbe, Chief Payments Officer, First International Bank & Trust
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Kavinu's development is currently in progress. As the solution is finalized, services or features stated herein may evolve. Kotapay does not make any warranties or representations about Kavinu as a final product offering. This is intended to create awareness of this new solutions that is in development by Kotapay, to be released in the future.
