Payroll Made Easy

Fast, secure, and reliable direct deposit.

Simplify payroll direct deposit.

Process your customers’ payroll confidently with ACH direct deposit. As a division of First International Bank & Trust, our ACH payment processing offers the efficiency and security you can only get from a bank. Work with Kotapay to reduce costs, simplify bookkeeping, and lower the risk of errors.

Great for employers, great for employees.

ACH direct deposit saves employers the time and costs that come with printing paper checks – and gives employees instant access to their earnings on payday. Plus, direct deposit reduces the risk of lost, stolen, or misplaced checks. It’s efficient and reliable – and helps increase employee satisfaction and retention.

Unbanked employees? No problem.

If you have employees who don’t have a bank account, don’t worry. In partnership with Fintwist, Kotapay can provide payroll cards that give unbanked employees the same convenience as traditional direct deposit. Fintwist payroll cards work like reloadable debit cards and have the secure backing of Mastercard, giving users immediate access to funds.