Overview
In this review of Kotapay, we will cover the company's history, services, and operational practices, detailing its transition from InterceptEFT to its current standing under the ownership of First International Bank & Trust. We will discuss the range of payment processing solutions Kotapay offers, including its partnerships with BASYS Processing and its role as a reseller of Fiserv and Clover solutions. Additionally, we will examine Kotapay's approach to customer service, its strategic business decisions, and the impact of these factors on its reputation within the industry. Insights into Kotapay's contract terms, fee structure, and the regulatory environment affecting payment processors will also be provided, alongside an evaluation of customer feedback and the company's standing with the Better Business Bureau. By the end of this review, you will have a comprehensive understanding of whether Kotapay meets your payment processing needs.
About Kotapay
Kotapay is a merchant account and credit card payment processor based in Fargo, North Dakota. Originally operating under the name of InterceptEFT, the company was acquired by First International Bank & Trust in 2018 and rebranded as Kotapay. The company has been in business for 25 years according to its Better Business Bureau profile.
Kotapay has announced that it partners with BASYS Processing for debit and credit card processing services. Kotapay and First International Bank & Trust are also a contracted reseller of First Data (now Fiserv) and Clover solutions.
![](https://www.cardpaymentoptions.com/wp-content/uploads/2024/07/Kotapay-homepage.webp)
Kotapay Products and Services
Payment Processing
Kotapay handles payment processing for all major debit and credit cards across various business types. Their services include ACH processing, the Clover POS systems, mobile payment solutions, and access to the Pay Now payment gateway.
Lili
Kotapay’s customer service is very bad, and they have attitude while service client.
Do not choose this one if you do not want to argue with them.