GLOSSARY
Business Technology Platform (BTP)
A platform layer for APIs, integrations, and data pipelines that connect core systems.
BTP provides shared services for identity, data, and integrations so products can ship faster. It orchestrates flows between apps like POS, CRM, ERP, and PMS.
Our platform page for BTP describes how to expose APIs and events while keeping governance, observability, and performance consistent. Typical components: API gateway, event bus, data warehouse/lake, identity/permissions, secrets, and CI/CD automation.
A solid BTP enforces standards (schemas, telemetry, SLAs) across domains, reduces duplicate integrations, and accelerates launches of new services, including embedded products like cards or payouts.
In the product
Where this term matters in operation.
The glossary is not meant to be academic. It explains the language teams use in Kotao while selling, planning, paying, reporting, and automating.
In sales
Terms like this appear inside POS, checkout, bookings, offers, and customer communication.
In back office
Finance, inventory, HR, and reporting need the same meaning so reports do not drift apart.
In integrations
APIs, imports, webhooks, and exports work better when teams use the same definitions.
Related terms.
API (Application Programming Interface)
A set of rules and protocols that allows different software applications to communicate with each other.
BaaS (Banking as a Service)
A model where licensed banks expose banking capabilities to other companies via APIs, letting them embed accounts, cards, or payments.
Acquirer
Bank or payment institution that signs merchants and routes their card transactions into the card networks.
Apple Pay
Mobile wallet by Apple that tokenizes cards for contactless and in-app payments.