Accept any payment, any channel
Card-present, online checkout, virtual terminal, recurring, ACH and crypto — all on the same rail, settling to the same dashboard.
Koi Pay™ runs card-present, online, recurring, ACH and crypto on a single API and one dashboard — fraud, vaulting, invoicing and reporting built in. Your brand on every surface.
Live
Merchants, agents and partners — one secure login.
New to Koi Pay? Create an account
Stop stitching together a gateway, a vault, a fraud tool and three reporting exports. Koi Pay puts the whole payment stack behind one API and one dashboard.
Card-present, online checkout, virtual terminal, recurring, ACH and crypto — all on the same rail, settling to the same dashboard.
Rules + ML tuned to your portfolio, not generic traffic.
Tokenize card & ACH once, charge forever.
Plans, retries, dunning & account updater.
Sub-second portfolio queries. Decline codes, settlement timing, fraud — filtered and exported without leaving the page.
Your brand on the portal, receipts & emails.
Turn on exactly what each merchant needs. Every product runs on the same Koi Pay gateway and is ready to white-label on day one.
Card & ACH from any browser.
Hosted pages & pay-by-link.
NFC, contactless & chip.
Plug into major carts.
Branded invoices via SMS/email.
Hosted fields, SAQ A scope.
Auto-refresh stored cards.
CSV upload, same-day recon.
Patented DTI program.
Cash & card price at POS.
Compliant credit surcharges.
B2B/B2G interchange savings.
Adaptive fraud scoring.
Migrate with no rewrite.
Two-way reconciliation.
Digital currencies at checkout.
Volume, approval rates, declines, settlement timing and fraud signals — live, filterable, and exportable. No overnight batch, no stale numbers.
Rules, velocity filters and machine-learning scoring tuned per merchant — so you stop fraud without blocking good customers. Network-wide signals catch coordinated attacks early.
// Charge a vaulted customer, fraud-scored by Koi Guard const charge = await koipay.transactions.create({ amount: 12450, // $124.50 currency: "usd", source: "cust_2Nz8Kq", // vault token fraud: { engine: "koi_guard" } }); // → { id: "txn_9Fa", status: "approved", // risk_score: 4, auth_code: "0X1A9" }
One REST API, hosted fields, webhooks and a full sandbox. Migrate off a legacy gateway with the emulator — no rewrite, no downtime.
Predictable endpoints, signed events, idempotency keys.
Card data goes browser-to-vault. Stay SAQ A.
Test instantly; emulate a legacy gateway's API.
Sign up and get instant sandbox keys. Connect your processor or use ours.
White-label the portal, switch on the products you need, set fraud rules.
Start accepting payments across every channel, watching it all in one dashboard.
No tiered surcharges, no mystery fees. Pick a plan or talk to us for portfolio rates.
For new businesses getting their first payments online.
For scaling merchants who need the full toolkit.
For platforms, ISOs & high-volume portfolios.
"We moved our entire stack to Koi Pay and watched approval rates climb while fraud dropped. One dashboard, our brand, zero outages."
Spin up a Koi Pay portal in minutes — or sign in and pick up where you left off.
One secure login for merchants, agents & partners.
New here? Create an account