Virtual Terminal
Take card and ACH payments from any browser. Both methods sit on the same form, with receipts and vaulting built in.
Open in portal
Every product below runs on the same Koi Pay gateway and is ready to white-label on day one. Turn on exactly what each merchant needs — embedded, online, card-present or recurring.
Take card and ACH payments from any browser. Both methods sit on the same form, with receipts and vaulting built in.
Open in portalNFC, contactless and chip on certified hardware. The same gateway and reporting whether the card is present or not.
Terminals APIUpload a CSV, run thousands of transactions and reconcile the same day. Ideal for billing runs and B2B collections.
Batch APIPull payments straight from a bank account with account validation up front. Lower-cost rails for rent, tuition, B2B and high-ticket billing — on the same API as cards.
Transactions APIDrop-in hosted fields. Card data goes browser-to-vault, so you keep full control of the checkout UI while staying SAQ A.
Tokenizer docsHosted payment pages and pay-by-link. Spin up a branded checkout or share a link — no integration work required.
Simple PaymentsAdd Apple Pay and Google Pay to any page with a single script. One-tap checkout that lifts conversion on mobile.
WalletJS docsNative plugins for WooCommerce, Magento and Gravity Forms — plus a Cart API for everything else.
See pluginsSend branded invoices by SMS or email with a pay-now button. Track sent, viewed, paid and overdue in the portal.
Invoices APIAccept major digital currencies at checkout with automatic settlement to your payout account in fiat.
Transactions APICard and ACH tokenization with the account updater wired into the same vault. Tokenize once, charge whenever.
Customer Vault APIPlans, retries, dunning and account updater on one API. Card and ACH run on the same engine with smart retries.
Recurring APIAutomatically refresh stored card numbers and expiry dates before they fail, so recurring revenue doesn't churn out.
In the vaultRules, velocity filters and ML scoring tuned to your portfolio — not generic internet traffic. Sensitivity tunes per MID.
Fraud ProtectionOpt into network-wide signals so a coordinated attack on one merchant becomes a shield for the rest of the portfolio.
How it worksIdentify card brand, type, issuer and country before you authorize — route smarter and screen risk up front.
BIN Lookup APIBuilt-in cardholder authentication that shifts chargeback liability to the issuer on approved transactions — invoked automatically or on your own rules, with frictionless flow where the issuer allows it.
AuthenticationEarly dispute alerts, deadline tracking and one-click representment from the portal. Evidence is assembled from the original transaction record so merchants fight chargebacks without leaving Koi Pay.
Manage in portalA patented DTI program that holds up across card-present, online and virtual terminal — configured per merchant.
Fee programsShow a cash price and a card price at the point of sale, with the difference handled automatically and disclosed clearly.
Fee programsCompliant credit-card surcharging with the caps, disclosures and exemptions handled by the gateway.
Fee programsB2B and B2G interchange savings without your merchants writing the line-item logic — Koi Pay assembles it for you.
Transactions APISub-second portfolio queries: volume, decline reason codes, attempted fraud and settlement timing. Filter and export inline.
Open dashboardYour brand on the portal, receipts, emails and terminal screens — down to the SSL cert. Koi stays off every merchant surface.
Branding in portalEmulate a legacy gateway's API so you can migrate merchants with no rewrite and no downtime.
Migration pathsTwo-way reconciliation between Koi Pay and QuickBooks so deposits, fees and refunds match the books automatically.
IntegrationsInspect every settlement batch and its line items via API or portal, with same-day (T+0) payout options.
Settlement APISigned, idempotent event delivery for every transaction, settlement and vault change — keep your systems in sync.
Webhooks docsSign up, underwrite and activate new merchants through the portal or a single boarding API. Push applications, statuses and approvals straight into your own onboarding flow.
Boarding APIEvery product is one switch away in the portal — bundle them, white-label them, and go live on the same API.