Kost connects POS, real-time payments, Open Banking, cashflow intelligence, and embedded capital in a single platform — purpose-built for small and medium-sized businesses.
Most small and medium-sized businesses stitch together a POS terminal, a bank account, an accounting tool, and a separate lender. The result: delayed cash, opaque fees, manual reconciliation, and credit decisions made on stale paperwork.
Interchange, processor markups, and assessment fees stack invisibly. Most operators cannot answer what a single transaction actually costs.
Funds captured Friday don't land until Tuesday. Owners cover payroll and supplier obligations on float they can't see.
Cash position lives in three tabs and a spreadsheet. By the time the picture is clear, the decision window has closed.
Bookkeepers match POS exports to bank deposits by hand. Fees, refunds, and chargebacks fall between systems.
Lenders ask for last year's statements to fund this month's inventory. Live transaction performance is ignored.
Banks and fintechs lack a contextual surface to deliver lending, deposit, or payment products at the moment of business activity.
Kost replaces the fragmented stack with a single integrated platform. Every transaction flows through one ledger, one cashflow view, and one financing layer.
All-in-one POS and payment acceptance built for the counter, the chair, the dining room. Tap, insert, swipe, Interac, e-Transfer.
Real-time and lower-cost payment movement. Card rails, account-to-account, and Real-Time Rail where available — selected automatically.
Full transparency from the swipe through settlement, reconciliation, and the bank account it lands in. Every fee, every hop, exposed.
Cashflow dashboards. Receivables visibility. Fee analytics. Settlement tracking. Forecasting that updates as the day moves.
Embedded access to micro-loans and working capital, underwritten on Open Banking data and live transaction history — not last year's statements.
A POS terminal is a tool. Kost is a financial command centre — the difference between running on instinct and running on the numbers.
Banks, processors, fintechs, lenders, POS hardware providers, and Open Banking aggregators reach the SME segment through Kost — at the moment of business activity, with the data to underwrite it.
Six structural shifts in Canadian financial services are converging on a single addressable surface — the business operating system. Kost sits at the intersection.
Kost spans acceptance, movement, visibility, and embedded finance in a partner-first model built for Canada.
Kost spans acceptance, movement, visibility, and embedded finance in a partner-first model built for Canada.
Kost spans acceptance, movement, visibility, and embedded finance in a partner-first model built for Canada.
Kost spans acceptance, movement, visibility, and embedded finance in a partner-first model built for Canada.
Kost spans acceptance, movement, visibility, and embedded finance in a partner-first model built for Canada.
Kost spans acceptance, movement, visibility, and embedded finance in a partner-first model built for Canada.
Illustrative scenarios drawn from segments Kost is designed to serve.
Short answers. The longer ones live in the diligence package.
Ask a questionWhether you're allocating capital, distributing financial products, or running a business that deserves a better stack — there's a way in.
Start a dedicated conversation with the team.
Start a dedicated conversation with the team.
Start a dedicated conversation with the team.
Start a dedicated conversation with the team.