A Unique Solution

DivDat has a unique solution for the challenges of unbanked and underbanked customers. DivDat uses technology to drive social change by eliminating predatory “convenience fees” and other costs of making bill payments. 

The DivDat Kiosk Network is the essential payments and equity bridge between billers and their unbanked and underbanked customers. The DivDat Kiosk Network helps billing entities not only reach these customers but entices them to pay by empowering them with the tools to pay in their neighborhoods, at their convenience and a time they prefer. 

Solving the Underbanked Challenge

DivDat is a technology solutions company and has pioneered kiosks for municipal governments and energy sectors that are industry-best in practice. Customers, specifically the unbanked and underbanked customers, can pay water, tax, court fees, police services and a host of billables via self-service kiosks. 

The DivDat Kiosk Network is here to better serve customers, increase collections and reduce the current cost of collections. The average cost of handling cash payments is 4% - 14%. DivDat can deliver walk-in cash handling on your cash payments for 1% on our kiosks!

Large Percentages of households in the US are underbanked or cash-preferred.

One may think we are becoming a cash-less society.

On the contrary, bank fees, rising credit card fees and so-called convenience fees are making cash the preferred payment method for people across social and economic strata and there is a growing trend for millennials to use cash to manage their spending habits.
Rotating Kiosk GIF
Lower-Income Households





Black Households





Hispanic Households





Disabled, Ages 25 - 64 Households





Source: 2017 FDIC National Survey of Unbanked and Underbanked Households

DivDat can handle cash payments at 1%!


DivDat Manages It All

All Hardware Upgrades
Remote Technology Upgrades
Technology Updates and Monitoring
Cash Handling
Routine Maintenance

   PCI and Regulatory Compliance Upgrades

   ADA Compliance

   Physical Machine Deployment

   Enhanced Dashboard Revenue Monitoring and Reconciliation

   DivDat Handles ALL Aspects of Kiosk Deployment

Customer Benefits

  • DivDat serves as the payment and equity bridge between consumers and billers
  • Convenience - kiosks are strategically located in neighborhood centers, retail stores, government office service centers
  • One-stop free payment for all services
  • Users operate at their own pace
  • Transactions are conducted in private - a “judgment free zone”
  • If English is a second language, the kiosks are multi-lingual
  • Fee “free”- customers preferring cash can pay multiple times in a month without any fees
  • No need to travel to a payment center with limited hours
  • Account look-up capability by service address or account number
  • Real-time posting to their account and biller
  • Immediate receipt printed, emailed or text message
  • Peace of mind and dignity

Biller Benefits

  • 98% Customer satisfaction - “Very Satisfied” or “Satisfied”
  • Kiosk as A Service or “Managed Service"
  • Eliminates the need/risks to handling cash
  • Dashboard Treasury reconciliation, armored car, cash counting, bank fees
  • Increased collection rates (Propensity to pay + Advance payments)
  • Strong ROI, can re-purpose cashiers for other critical functions
  • Kiosks fulfill the walk-in payment solution as regulators, legislators, community leaders mandate some in-person payment presence
  • Enhance branded community presence
  • Expand payment/collection hours to virtually 24/7 (40% pay after normal business hours, 30% pay on weekends)