Kotapay is a trusted leader in secure electronic payment processing, delivering reliable ACH solutions that help businesses move money safely and efficiently. Since 1993, we’ve supported more than 107,000 clients nationwide with dependable, compliant, and confidence‑building payment services.

As a division of First International Bank & Trust (FIBT), we are committed to shaping the future of electronic payments. Our banking‑as‑a‑service platform, Kavinu, is an embedded payments solution that eliminates traditional middleware, accelerates speed to market, and drives new revenue opportunities. Learn more at Kotapay.com.