PayToMe.co

All-In-One FinTech Platform

For Effortless
With cutting-edge AI technology our innovative platform leverages digital invoicing, checkbook, text-to-pay, & merchant services.

We Build Merchant Services Smarter and Simpler

Simplify Your Payment Process

Start accepting payments smoothly and securely today! Our merchant accounts are perfect for businesses operating both in-person and online. With our easy setup, and competitive rates, take advantage of:

  • Straight Forward Merchant Pricing
  • Fast Merchant Approval
  • 24/7 Customer Support
  • PTM Card MachineIn-Person Payments
  • PTM Card MachineOnline Payments
  • PTM Card Machine0% Merchant Fee
  • PTM Card MachineMerchant Pricing
PTM Card Machine

Business Solution & Platforms

Business solution
Business solution
Business solution
Business solution
Business solution
Account Receivable

Account Receivable

Manage your Accounts Receivable efficiently with PayToMe's online invoice management platform. Use our Text-to-Pay and Payment Link features to expedite payments and balance your AR swiftly.Learn More ->

Account Payable

Account Payable

Streamline your Accounts Payable process with PayToMe's efficient payment solutions. Our platform ensures timely bill payments and vendor management, helping you maintain strong business relationships and financial health.Learn More ->

Expense Management

Expense Management

Boost financial oversight with PayToMe's Expense Management System. Easily track and manage spending, ensure budget adherence, and improve fiscal operations with our user-friendly platform.Learn More ->

Business Banking

Business Banking

Enhance your business banking. Our platform supports seamless global money transfers and robust banking solutions, allowing you to open an online business checking account quickly and efficiently.Learn More ->

Simpler, Easier, Smarter Business Products

Online Invoicing

Online Invoicing

PayToMe has simplified digital invoicing to get paid faster. Create and send invoices via text and email. Use our streamlined, easy online invoicing to boost cash flow and simplify your account receivable process.

Learn More ->
Payment Links

Payment Links

Create experience effortless transactions with PayToMe's no-code Payment Links. Instantly create and send secure payment links to your customers via text messaging or email, facilitating smooth, efficient, and safe payments on multiple platforms.

Learn More ->
Text-to-Pay

Text-to-Pay

Enhance your revenue cycle with PayToMe's Patented Text-to-Pay services. Provide convenience by sending a secure payment link directly to customers' phones.

Learn More ->
ACH & E-Check

ACH & E-Check

Effortlessly process payments with our ACH & E-Check services—fast, low-cost solutions designed for secure, direct bank transfers and improved transaction efficiency.

Learn More ->
Identity Verification

Identity Verification

Verify your users and customer identities with PayToMe's comprehensive Know Your Customer (KYC), Know Your Business (KYB), and Bank Verification services. It's reliable for businesses of any size, from one user to one million.

Learn More ->

Partners, News & Awards

New Thumb

November 13, 2024

PayToMe.co and Boundarie.org Announce Strategic Partnership to Advance Global Education and Financial Inclusion Efforts on a Worldwide Scale.

New Thumb

October 17, 2024

PayToMe.co Expands Fintech Marketplace Vision at Money20/20 USA 2024, Supported by Startupbootcamp, to accelerates growth and innovation.

New Thumb

October 11, 2024

PayToMe.co is proud to announce its participation in the North American Partner Conference, hosted by US Bank in Washington, D.C. As an MSP partner of US Bank.

New Thumb

October 09, 2024

PayToMe.co Enters the Top 1% Startups Globally, Showcasing Innovation and Commitment to Financial Inclusion.

New Thumb

August 21, 2024

PayToMe.co, a FinTech innovator, won Silver for Technical Innovation at the 2024 Stevie Awards, highlighting its AI advancements.

New Thumb

May 14, 2024

PayToMe.co to Demo Innovative Financial Technologies at FinovateSpring 2024.

New Thumb

May 1, 2024

PayToMe.co, a fintech company, achieves six Stevie Awards for AI and tech excellence in American Business Awards in 2024.

New Thumb

Apr 24, 2024

PayToMe.co introduced AI-Driven KYC technology to enhance global e-commerce transactions through ShipToBox.com.

New Thumb

April 16, 2024

PayToMe.co featured in the Authoritative Nilson Report, a leading voice in the card payment sector.

New Thumb

March 11, 2024

PayToMe.co is proud to announce its official partnership with Plaid, a leading platform in the financial technology ecosystem.

New Thumb

February 01, 2024

AppTech Drives Licensing Revenues as Patent Licensee PayToMe.co Elevates Financial Technology Landscape with Plaid Integration.

New Thumb

September 21, 2023

AppTech Payments Corp. Continues Global Expansion with Partner and Licensee PayToMe.co Opening New Office in Egypt.

New Thumb

August 14, 2023

PayToMe.co Has Earned The Coveted International Business Awards (2023 Stevie Award) for "Tech Startup of the Year - Services"

New Thumb

June 27, 2023

AppTech Payments Corp. Grants Patent License to Emerging Fintech Innovator PayToMe.co

Partner LogoPartner LogoPartner LogoPartner LogoPartner Logo

PayToMe - Your Complete Payment Solution

Merchant Services Fees and PCI

Merchant Account Fees

Navigate the landscape of merchant fees with clarity. One-rate fees offer simplicity with a consistent charge per transaction. Monthly fees provide straightforward billing, while Interchange fees combine a fixed rate with variable interchange costs, tailored to your sales volume and business model. Understanding these can lead to significant savings and smarter financial planning for your business's payment processing needs.

Merchant PCI Compliances

Merchant PCI compliance is critical in safeguarding credit card information. Adhering to the Payment Card Industry Data Security Standard (PCI DSS) ensures businesses follow robust security measures to protect cardholder data. This not only fortifies trust with customers but also mitigates the risk of data breaches. Maintaining strict compliance is essential for secure transactions and the overall integrity of a company’s financial transactions.

Account Receivable

Accounts Receivable (AR) management is vital for business liquidity. An Online Invoice Platform streamlines this process by allowing businesses to issue and track invoices digitally. Additionally, Text-to-Pay services enhance convenience by enabling customers to pay invoices via SMS, further accelerating payment cycles and improving cash flow. Together, these tools modernize AR operations, ensuring businesses maintain robust financial health.

Account Payable

Accounts Payable (AP) is crucial for managing business outflows and maintaining vendor relationships. An Invoice Management Platform facilitates this by automating the handling and approval of payable invoices, ensuring accuracy and timeliness. This technology simplifies workflows, reduces human error, and helps businesses meet payment deadlines efficiently. By leveraging such platforms, companies can optimize their financial operations and sustain good supplier relations.

Financial Business Platforms

A Financial Business Platform integrates Accounts Receivable (AR) and Accounts Payable (AP) functionalities to provide a comprehensive solution for managing a company's finances. These platforms streamline financial workflows, ensuring timely invoicing and payments, reducing manual errors, and improving overall efficiency. By automating these crucial financial operations, companies can enhance cash flow management, maintain strong vendor and customer relationships, and gain real-time insights into their financial health.

Financial Business Products

Financial Business Products like Text-to-Pay, Payment Links, E-Check, and ACH transfers offer versatile and efficient solutions for managing transactions. Text-to-Pay allows customers to make payments via SMS, enhancing convenience and speeding up collection times. Payment Links facilitate secure transactions by enabling one-click payments through personalized URLs. E-Checks and ACH transfers provide reliable and cost-effective alternatives to traditional paper checks, reducing processing times and banking fees. Together, these tools streamline payment processes, improve cash flow, and reduce operational overhead, making them invaluable for modern financial management.