Kotapay
Financial ServicesNorth Dakota, United States11-50 Employees
Kotapay is a financial services provider focused on electronic payment solutions for businesses. As a division of First International Bank & Trust, it offers services including direct payroll deposits, ACH billing, credit card processing, ACH management/origination software, and an online payment portal, aiming to simplify and secure money movement for coastal-to-coastal operations. The company serves a broad base of employers and consumers, emphasizing efficient, hassle-free transactions and stronger direct relationships between fintech developers and banks through its Kavinu platform launched in 2024, with further emphasis on a banking-as-a-service approach in 2025. Based in Fargo, North Dakota, Kotapay operates within the payments industry and positions itself as a streamlined, security-focused option for handling payroll, billing, and electronic payments while leveraging its parent bank’s FDIC membership and infrastructure.