Kotapay uses today’s safest and most efficient means for moving money electronically. Our staff has dedicated over 25 years to delivering the most comprehensive, hassle-free electronic payment services to businesses coast-to-coast. Now, as a division of First International Bank & Trust, we bring more efficiency and security to your transactions. Kotapay products include: Direct Deposit of payroll, ACH Billing, Credit Card Processing, ACH Management/Origination Software, and an Online Payment Portal. Kotapay is a division of First International Bank & Trust, Member FDIC