Who We Are

Since our founding in 1992, KUBRA has been driven by a simple question: How can we do this better? We don’t just improve customer experiences, we reimagine how billing, payments, and communications come together, setting new standards for what’s possible. “Experience Better” isn’t just a tagline – it’s the standard we build into everything we deliver.

When we first opened our doors, we were focused on providing outsourced printing and mailing services. Over the years, we've shifted our attention to digital and software solutions, expanding that focus from simply delivering a bill to managing the entire billing and payment experience. Today, we offer the most complete and integrated suite of cloud-based customer experience management solutions on the market.

As an industry-leading provider, we serve some of the largest utility, government, and insurance entities in North America. Each year, we facilitate over three billion customer interactions, reaching over 40% of households in the U.S. and Canada. Our portfolio spans billing and payments, including KUBRA HQ™, our AI-powered, cloud-native platform, alerts and preference management, AI-driven engagement tools like KUBRA IQ™, and utility mapping solutions.

Our mission is to free our clients and their customers from the complexity of billing and payment systems by empowering them with innovative solutions, expert support, and continuous improvement, always striving for better experiences in everything we do.

We do this by sharing our extensive industry expertise with our clients and providing advanced customer experience management tools that increase customer satisfaction and improve efficiency. In short, we've got the products and solutions our clients need, and their customers want.

Our Story

Founded in 1992, KUBRA set out to simplify back-office business operations by offering an alternative to in-house production and mailing of bills, invoices, and statements. In 1996, we entered the U.S. market and expanded our operations, establishing a strong presence throughout North America.

Over the decades, KUBRA has evolved from a print-and-mail company into a leader in CX management rooted in billing and payments, continually introducing new solutions to meet the changing needs of utilities, government entities, insurance providers, and their customers.

A Legacy of Innovation

Our journey is marked by milestones, including the launch of groundbreaking KUBRA EZ-PAY®, pioneering e-billing and mobile solutions, and the integration of AI through KUBRA IQ™. Strategic acquisitions, like iFactor, expanded our expertise in customer communications through industry-leading outage maps, enterprise alerts, and preference management solutions. Our global partner network connects associations, technology firms, and software providers, enabling our clients to deliver better customer experiences.

The Next Step in Our Evolution: KUBRA + REPAY

Every chapter of our history has been about getting closer to our clients and driving progress, from the first envelope we mailed in 1992 to the AI-powered platform we run today. Now, as part of REPAY, we’re accelerating our vision for the future.

This isn't a departure from our evolution. It's the natural next step. KUBRA brings deep industry expertise, bill presentment capabilities, and trusted relationships across utilities. REPAY offers modern payment rails, broader industry reach, and the scale and financial strength of a publicly traded leader. 

Together, we deliver an end-to-end experience, from bill creation, communication, and presentment, through payment, settlement, reconciliation, and disbursement.