PayToMe.co

About Us | About Paytome.co

AI + FinTech = PayToMe.co

Where FinTech Meets the Future

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Who We Are

who we are

PayToMe.co is the world’s first AI-powered Financial Operating System, eliminating the $46 Billion inefficiency small businesses face in payments, fraud, compliance, and automation. Built to scale like the “Amazon of Finance,” our platform combines patented tech, embedded finance, and enterprise-grade AI—delivered through developer first APIs.

Our Global Partners

Headquartered in Silicon Valley, USA, we connect with over 12,000 banks and 7,000 vendors in more than 100 countries. Recognized in the top 1% of AI startups by NVIDIA Inception and AWS, and honored with 9+ global fintech awards including 2x Stevie Gold for ESG & Tech. We are backed by Startupbootcamp, Hatcher+, and partners like Stripe, Plaid, SVB, IBM, Google, Microsoft, and Nacha.

Our Institutional Investors

Hatcher+

Hatcher+

PayToMe.co secured investment from global venture capital firm Hatcher+, accelerating its growth and innovation in AI-powered financial operations for SMBs.

Startupbootcamp+

Startupbootcamp

Europe and Asia’s largest accelerator, Startupbootcamp, also invested in PayToMe.co, supporting its global expansion and strategic partnerships.

Award-Winning

Our Solutions & AI-Powered Platforms

who we are
AI-Powered

Text-to-Pay via SMS/ Messaging

AI-Powered

AI-powered digital invoicing & compliance automation

AI-Powered

Embedded finance platform for global businesses

AI-Powered

Pre-integrated with OpenAI, Stripe, Plaid, IBM &

Get to Know Us Better

Check below video and brochure to get more insight about our business and what we to offer!

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About System
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Our Services

Digital Invoice

Digital Invoice

Simplify your billing process with our powerful Digital Invoice service. Ditch the paper and automate your invoicing workflow with customizable templates, real-time tracking, and instant delivery. It's billing made smarter—so you can get paid faster and reduce manual work.
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Text to Pay

Text to Pay

Make payments as simple as sending a text. With our Text to Pay feature, customers can pay securely through SMS, improving convenience and increasing conversion. Ideal for service providers and remote billing—text, tap, and you’re done.
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Digital Checkbook

Digital Checkbook

Modernize your disbursement process with our Digital Checkbook. Issue, track, and reconcile virtual checks in seconds—all from your PayToMe dashboard. Stay organized, compliant, and in control without the paperwork.
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Merchant Services

Merchant Services

From online stores to in-person retail, our Merchant Services are built to support businesses of all sizes. Accept payments via cards, ACH, wallets, and more. Seamless setup, secure processing, and robust analytics help you grow with confidence.
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Accounting Services

Accounting Services

Gain financial clarity with our AI-enhanced Accounting Services. Automate bookkeeping, manage general ledgers, and ensure accurate financial reporting with seamless integration into platforms like QuickBooks and Xero.
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Financial Services

Financial Services

From interim CFO support to IPO preparation, our Financial Services are designed to support complex financial operations. We provide expertise in budgeting, forecasting, internal control, audit readiness, SEC filing (10-K & 10-Q), and more.
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