The Universal Payment Layer for Any Application
Kathy.dev sits on top of any software, turning it into a payment-enabled platform—without rebuilding anything. One universal layer. Any web app. Instant payment collection.
What is a Universal Payment Layer?
Most businesses are trapped by their software's payment limitations. Your vertical-specific application either lacks open payment APIs or forces you into expensive, integrated processors. The result? You're stuck doing dual entry—processing payments outside your software and manually recording them inside.
Kathy.dev changes everything.
We're not another payment processor. We're not an integration. We're a Universal Payment Layer that sits on top of any web-based application, allowing you to collect and record payments instantly, regardless of what software you use.
Think of it as a payment operating system for your business—one that works with every application, every processor, and every workflow.
The Problem: Software That Holds Your Payments Hostage
Are you still manually entering credit card payments into your business software? Juggling between a POS terminal and your accounting software just to close out the day?
For years, business owners using specialized software have been stuck in a frustrating loop:
Process a payment outside your software (on a card terminal or separate portal)
Manually record that payment back in your software
Hope you didn't make a mistake
This isn't just inefficient—it's a recipe for disaster.
- Manual data entry wastes countless hours
- Introduces costly human errors
- Leads to delayed financial reporting that hinders cash flow visibility
The Real Problem? Your software vendor controls your payment options.
They decide which processors you can use, what fees you pay, and whether you can even accept payments at all.
67% more time for follow-up
Manual payment processes are significantly slower
30% longer DSO
Days Sales Outstanding increases dramatically
The Flawed Solution: Why Traditional Integration Fails
You've been told the solution is "integrated payments." But this usually means one of two things:
Use the vendor's built-in processor
Pay premium rates with no negotiating power. You're locked into their preferred payment ecosystem.
Wait for a custom integration
Requires the software vendor to expose their payment interface and cooperate—often a dead end that takes weeks or months.
This approach leaves you at the mercy of the software provider, limiting your ability to choose the best, most cost-effective solution for your business. It's a bottleneck that stifles your growth.
The Kathy Approach: A Universal Payment Layer
Instead of forcing an in-app integration or rebuilding your software, we created a Universal Payment Layer that works with any application.
Think of it this way: instead of teaching every software application how to accept payments, we built a layer that sits on top of all of them. Our browser-based assistant simulates what a front-desk person (like "Kathy") would do—accept a payment externally and update the record in the software—but does it instantly, automatically, and error-free.
We automate the human, not the software.
Zero Friction
No more logging into separate payment portals. No copying invoice numbers. No tedious manual reconciliation.
Contextual Intelligence
Kathy knows what invoice you're looking at and adapts to each app's unique UI patterns.
Real-Time Sync
The moment a payment is confirmed, the UI in your application updates instantly. No refresh needed.
The Universal Payment Layer Advantage
| Feature | Traditional Integration | Kathy's Universal Payment Layer |
|---|---|---|
| Setup Time | Weeks to months | Minutes |
| Vendor Cooperation Required | Yes | No |
| Works with Any Software | No (custom per app) | Yes (universal) |
| Processor Choice | Limited by vendor | Your choice |
| Dual Entry | Still required if integration fails | Eliminated completely |
| Cost | High (integration fees + premium rates) | Low (payment layer + your processor) |
How to Use Kathy
Three simple steps. The Universal Payment Layer does the rest.
Configure Your Payment Layer
Connect Kathy.dev to your existing workflow and browser in about 2 minutes.
Navigate to an Invoice
Open your business software and go to any invoice or customer record with an outstanding balance.
Click to Pay
Click the Kathy button that appears on the page. The payment is processed through your chosen processor, and the record is updated instantly in your software. No dual entry. No hassle.
That's it. The Universal Payment Layer does the rest.
Built for Business Owners Who Value Their Time
As a business owner or operator responsible for collecting payments, your time is your most valuable asset. We understand that you didn't start your business to become a data entry specialist.
Eliminate Hours of Manual Data Entry
Save hours each week that you can spend growing your business or serving customers
Reduce Payment Errors
Eliminate costly mistakes that waste time and money to fix
Instant Cash Flow Visibility
Get real-time insights without waiting for end-of-day reconciliation
Choose Your Payment Processor
Use the payment processor of your choice without being locked into expensive vendor relationships
Keep Using Your Software
No need to force your team to learn a new system or change workflows
Works with Your Stack
Integrates with your existing payment processor and current software seamlessly
Why a Universal Payment Layer Changes Everything
Traditional payment solutions require you to adapt to them. You change your software, your workflow, or your processor to fit their system.
The Universal Payment Layer adapts to you.
It works with your existing software, your existing processor, and your existing workflow. It's the missing layer that makes any application payment-ready, without requiring anyone's permission or cooperation.
This is the future of business payments: universal, flexible, and under your control.
Ready to Experience the Universal Payment Layer?
Stop letting your software dictate your payment options. Stop wasting time on dual entry. Stop paying premium rates for locked-in processors. Take back control with Kathy.dev.