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Kotao Payments

Let customers pay
the way they want.

Cards, wallets, bank payments, vouchers, and local methods in one flow. Kotao keeps the payment, order, customer, payout, and accounting context attached to the same operating record.

LOCAL

Checkout should adapt to the customer.

Offer the methods people already trust in their market without turning each channel into a separate finance workflow.

CONTEXT

The payment knows what it belongs to.

Every authorisation, capture, refund, payout, and fee can sit beside the order, guest, staff member, and ledger entry.

CONTROL

No second payment back office.

Finance sees payment methods, sales channels, payouts, and exceptions in the same place as the rest of the operation.

Payment methods

Let customers pay their way.

Cards, wallets, bank payments, vouchers, and local rails can sit in one payment flow. Kotao keeps the method, order, customer, payout, and accounting context together.

Show all 122 payment methods

Visa

Cards

Mastercard

Cards

American Express

Cards

Apple Pay

Wallets

Google Pay

Wallets

PayPal

Wallets

Klarna

Buy now, pay later

iDEAL | Wero

Real-time payments

In operation

Kotao Payments is not a disconnected module.

The app sits inside the shared Kotao workspace. That is the difference between adding one more tool and running the daily workflow on an operating system.

Every action writes back to the same operating record instead of collecting data for later exports.

Roles, permissions, and audit logs stay connected to the rest of the workspace.

Reporting, CRM, payments, and website surfaces see the change without a team checking CSVs.

Rollout

From pain point to standard process.

Kotao does not need to be switched on all at once. Most teams start with the workflow that costs the most time today, then expand after the team trusts it.

  1. 01

    Map the workflow

    We start with the way the team works today: who touches it, which data is missing, and which systems still need to connect.

  2. 02

    Shape the record

    Products, customers, roles, bookings, and payments are modelled so other Kotao apps can use the same source of truth.

  3. 03

    Launch a pilot

    One location, one team, or one clear process goes live first so operators see production behavior, not a demo script.

  4. 04

    Expand the surface

    Once the core workflow is stable, more locations, apps, automations, and reports can be switched on without re-importing data.

Connected apps

What starts working around it.

Once this workflow is live, adjacent apps can use the same customers, products, payments, and permissions.

POINT OF SALE

Kotao POS

One POS for counter, table, and tap. Same data as your online store. Works offline.

WEBSITE & STOREFRONT

Kotao CMS

Build the public site without a separate Shopify or Webflow bill. Products, content, and bookings share one data model.

CUSTOMERS & GUESTS

Kotao CRM

Live segments, loyalty, and email/SMS — built into the system. No CSV exports. No Klaviyo bill.