PayToMe.co
PayToMe.co is a Silicon Valley-based AI-native financial infrastructure platform offering integrated payments, invoicing, KYC/KYB compliance, and merchant services to SMBs, freelancers, and enterprises across 220+ countries via patented Text-to-Pay and 12,000+ bank integrations.
- Company typePrivate
- Founded2023
- HeadquartersPalo Alto, United States
- Headcount51–100
- GTM typeB2B and B2C
- OfferingSoftware
What PayToMe.co does
PayToMe.co (Pay To Me Inc.) is a Silicon Valley-based, AI-native financial infrastructure platform founded in 2023 that delivers an integrated suite of payments, invoicing, identity verification, and compliance services primarily to small and medium businesses, freelancers, and enterprise platforms across more than 200 countries. Its core technology stack centers on a patented Text-to-Pay SMS payment mechanism, an automated KYC/KYB/AML compliance engine, AI-driven bookkeeping and AR/AP automation, and bank-account verification delivered through Plaid's 10,000+ institution network, all exposed via a self-serve web platform, no-code payment-link creation, and an API for embedded finance. The company monetizes through a hybrid revenue model combining 1–3% transaction fees on text-to-pay and ACH/e-check processing (e-check priced at up to 60% below credit card rates), subscription and interchange-plus merchant account pricing, platform/API and white-label licensing for enterprise clients, standalone identity-verification services, and revenue from three logistics and e-commerce subsidiaries (LuggageToShip, ShipToBox, ShipAndStorage) acquired in December 2025.
The go-to-market motion is multi-pronged: product-led growth through a freemium invoice generator and self-serve onboarding for SMBs and solopreneurs, enterprise field sales for custom merchant and API integrations, and channel distribution through strategic partnerships with Stripe Connect, Plaid, IBM Partner Plus, AWS Strategic Startups, US Bank, NACHA, NVIDIA Inception, and Nasdaq-listed Nixxy for telecom-embedded payments. With 51–100 employees, a Cairo international office opened in September 2023, and a tier-1 investor base led by Hatcher+ and Startupbootcamp, PayToMe is positioning itself as a horizontal "financial operating system" rather than a single-product processor, having evolved from a payments startup into a multi-vertical ecosystem spanning logistics, cross-border commerce, and storage.
PayToMe.co firmographics
Firmographics- Name
- PayToMe.co
- Legal name
- Pay To Me Inc.
- Website
- https://paytome.co
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- PayToMe.co is a Silicon Valley-based AI-native financial infrastructure platform offering integrated payments, invoicing, KYC/KYB compliance, and merchant services to SMBs, freelancers, and enterprises across 220+ countries via patented Text-to-Pay and 12,000+ bank integrations.
- Ownership category
- akta.pro rank
PayToMe.co industry classification
Industry- Product category
- Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)
- akta.pro primary industry
- Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE), POS, SoftPOS & In-Person Acceptance Infrastructure (FSAGABAO), Cross-Border Payouts & Mass Disbursements (Pay-outs) (FSAMAIAJ)
Keywords
Where PayToMe.co is headquartered
LocationHeadquarters
- HQ city
- Palo Alto
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
PayToMe.co business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction Processing Fees: Fees charged per transaction for payment processing including credit/debit cards, ACH transfers, and e-checks. Text-to-pay processing fees range from 1% to 3% per transaction. E-check offers up to 60% savings compared to credit card fees.
- Merchant Account Services: Monthly fees and subscription plans for merchant accounts providing payment processing capabilities, PCI compliance tools, and merchant pricing options
- Platform and API Access: Fees for platform access, API integration services, and white-label solutions for enterprise clients requiring embedded finance capabilities
- Identity Verification Services: KYC, KYB, and bank verification services offered as standalone or bundled compliance solutions for businesses
- Acquired Business Revenue: Revenue from acquired subsidiaries including LuggageToShip.com, ShipToBox.com, and Ship And Storage Inc. serving travel, logistics, and storage sectors
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Text-to-Pay Processing Fees |
| Transaction based/ take rate | Pay-as-you-go | E-Check Processing |
| Transaction based/ take rate | Pay-as-you-go | 0% Merchant Fee Option |
| Freemium | Monthly | Free Invoice Generator |
| Subscription | Monthly | Merchant Account Pricing |
| Hybrid | Annual | Platform Pricing |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels6 records
PayToMe.co product offering
Product offeringCore offering
PayToMe.co operates an AI-native financial infrastructure platform delivering embedded payments, invoicing, and banking-as-a-service for SMBs, freelancers, and enterprises. Its suite includes the patented Text-to-Pay SMS payment solution, ACH/e-check and card processing, payment links, online invoicing, KYC/KYB/AML compliance, bank-account verification, merchant services (POS and card readers), expense management, and global money movement, with direct integrations to Plaid, Stripe, Elavon, and 12,000+ financial institutions.
Product overview
PayToMe.co is an AI-native financial infrastructure platform offering a comprehensive suite of integrated payment, invoicing, compliance, and settlement services for SMBs and enterprises. The platform operates as a unified ecosystem combining core payment products (Text-to-Pay, E-Check, Payment Links, ACH Transfer, Online Invoicing, Invoice Generator, Debit & Credit Card Processing, Online Checkbook) with identity and compliance solutions (KYC Verification, KYB Verification, Bank Account Verification, Identity Verification). Additional modules include Account Receivable and Account Payable automation, Merchant Services (POS, card terminals), Global Money Movement, Expense Management, and Business Banking. The platform supports over 120,000 active users across 220+ countries with connections to 12,000+ financial institutions worldwide.
Differentiator
Problem solved
Functional benefit
Products and services
- Text-to-Pay Patented text messaging payment solution that enables businesses to send invoices and payment links directly to customer phones via SMS, allowing payment completion without login credentials. Supports split payments, tip collection, installment payments, and partial payment options. Built for SMBs, freelancers, and merchants seeking accelerated cash collection.
- E-Check Electronic check payment solution enabling digital fund transfers from bank accounts processed via the ACH network, offering up to 60% savings on processing fees versus credit cards.
- Payment Links No-code payment link creation tool allowing businesses to generate and send secure payment links via text or email. Supports multiple currencies, payment methods, and recurring payment subscriptions for global transactions.
- ACH Transfer Bank-to-bank electronic money transfer using routing numbers via the Automated Clearing House network, positioned as a cost-effective alternative to wire transfers for direct deposits, bill payments, and P2P transfers.
- Online Invoicing Digital invoicing solution for creating, sending, and tracking invoices via text and email, with automatic payment reminders, customizable templates, and multiple payment method integration.
- Free Invoice Generator Free online tool for creating and sending professional digital invoices worldwide, with country-specific templates, tax calculations, and logo, stamp, and signature customization.
- Debit & Credit Card Processing Card processing solution supporting all major debit and credit card transactions including Visa and MasterCard, integrated with Plaid and Elavon for payment processing.
- Online Checkbook Digital check management tool for creating and sending checks via email or physical mail. Features lifetime record keeping, custom branding, and bank account syncing for reconciliation.
- KYC Verification Know Your Customer identity verification service for assessing customer risk, meeting legal requirements, and fighting money laundering through document verification and identity checks.
- KYB Verification Know Your Business verification solution with automated UBO collection, AML screening, document verification, watchlist screening, and adverse media reports.
- Bank Account Verification Instant bank account verification using Plaid integration to confirm account authenticity, ownership, and fund availability across 10,000+ institutions, with instant, micro-deposit, and manual verification methods.
- Identity Verification Comprehensive identity verification platform with document verification, real-time authentication, two-factor authentication, and OTP verification for KYC compliance.
- Merchant Services Payment processing solutions for merchants including in-person payments, online payments, retail POS, virtual credit card terminals, and mobile card readers with EMV chip and NFC support.
- Global Money Movement International money transfer and remittance services with bank transfers, digital wallets, payment channel options, and batch processing support for multiple payments.
- Accounts Receivable Automation Accounts receivable automation software for managing sales ledgers, automating payment reminders, and improving collection rates, with Salesforce integration and 100+ AP portal connections.
- Accounts Payable Automation Accounts payable automation software for streamlined bill payments, vendor management, and invoice processing, featuring automated workflows and real-time tracking.
- Expense Management Business expense tracking, reporting, and reimbursement software with automated transaction entries, digital receipts, real-time updates, and detailed analytics for spending pattern analysis.
- Business Banking Online business banking solutions including digital invoicing, ACH transfers, text-to-pay, and integrations with Plaid and Elavon for comprehensive financial management.
- LuggageToShip.com AI-powered global luggage and goods shipping marketplace enabling comparison, booking, and tracking of shipments with FedEx, DHL, UPS, and USPS, with AI-driven routing optimization and customs handling across 220 countries. Acquired December 2025.
- ShipToBox.com AI-driven global commerce platform for shopping, payment, and shipping worldwide, offering tax-free US shopping and consolidated international shipping. Acquired December 2025.
Quantifiable outcome
- Save up to 60% on payment processing fees compared to credit cards with ACH/e-check
- +3 more outcomes
Companies that use PayToMe.co
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
PayToMe.co technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability10 records
Feature5 records
PayToMe.co partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered flagship, core and minor.
- Nixxy Inc. (NASDAQ: NIXX)flagshipStrategic partnership to embed payment and invoicing infrastructure into telecom channels (SMS, voice, mobile messaging), enabling text-to-pay invoicing and cross-border payment execution at carrier scale
- IBM Partner PluscoreEmbedded Solutions Business Partner integrating IBM's cloud, AI, and automation technologies to enhance financial infrastructure products for SMBs and enterprises
- NVIDIA Inception ProgramcoreProgram membership ranking PayToMe among elite 1% of global AI startups, providing access to NVIDIA's AI tools, expertise, and ecosystem resources
- AWS Strategic Startups TeamcoreSelected by AWS Strategic Startups Team to enhance growth in fintech sector through cloud infrastructure, tools, and go-to-market support
- Boundarie.orgminorPartnership to advance global education and financial inclusion efforts on a worldwide scale through collaborative initiatives
- US BankcoreMSP (Managed Service Provider) partner participating in North American Partner Conference, enabling access to US Bank's financial infrastructure and customer base
- Stripe ConnectcoreStrategic integration enabling global payment expansion through Stripe Connect infrastructure, facilitating international transaction processing and payment acceptance
- PlaidcoreOfficial partnership for financial technology ecosystem integration, enabling bank account verification and financial data connectivity across 10,000+ institutions
- AppTech Payments Corp.corePatent licensing partnership enabling PayToMe to utilize AppTech's financial technology patents, with ongoing relationship as PayToMe operates as partner and licensee
- NACHAcoreNACHA Preferred Partner ensuring compliance with ACH network rules and enhancing screening capabilities for online payments to combat fraud
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
PayToMe.co competitors and assessment
Company assessmentBroad incumbents
- PayPal: PayPal offers a much broader payments, merchant, invoicing, and cross-border stack targeting the same SMB and freelancer segments as PayToMe, but at far greater scale and brand recognition.
Direct peers
- Block (Square): Square offers merchant services, invoicing, card readers (hardware), and business banking to SMBs — overlapping with PayToMe's merchant services, POS, invoicing, and business banking modules.
- Finix: Finix is a payments infrastructure provider offering merchant-of-record and PayFac-as-a-service for platforms — directly comparable to PayToMe's embedded payments and merchant services strategy.
- Dwolla: Dwolla provides ACH payment APIs and bank-to-bank transfer infrastructure for platforms — closely aligned with PayToMe's ACH Transfer and E-Check products.
- Bill.com: Bill.com provides AR/AP automation, invoicing, and bill-pay for SMBs and mid-market — directly comparable to PayToMe's Account Receivable, Account Payable, and Online Invoicing products.
- Plaid: Plaid is PayToMe's bank-verification and account-connectivity partner (12,000+ FIs) and a competing infrastructure layer for KYC, account verification, and embedded finance.
- Modern Treasury: Modern Treasury offers payment operations infrastructure (APIs for ACH, wires, RTP) targeting fintechs and platforms — overlapping with PayToMe's Global Money Movement and ACH infrastructure products.
- Infinicept: Infinicept offers PayFac-as-a-service enabling platforms to embed payments, underwriting, and merchant management — directly comparable to PayToMe's merchant services, KYC/KYB, and embedded finance offering.
- Stax (by Fattmerchant): Stax provides subscription-based payment processing and merchant services for SMBs with transparent pricing — closely comparable to PayToMe's Merchant Services module and 0% merchant fee positioning.
- Stripe: Stripe provides global payment processing, Stripe Connect (used by PayToMe as its rails), invoicing, and merchant services for SMBs and enterprises. It is a direct competitor and infrastructure dependency of PayToMe across nearly every core product.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
PayToMe.co social profiles
Digital presencePayToMe.co compliance and trust
Trust signalCompliance1 record
PayToMe.co financial estimates
Financial estimateRevenue estimate
Valuation estimate
PayToMe.co leadership team
Management profileNumber of profiles
Profiles3 records
PayToMe.co subsidiaries and ownership
Company hierarchySubsidiaries3 records
PayToMe.co funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PayToMe.co M&A and investment
M&A and investmentM&A3 records
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PayToMe.co
What does PayToMe.co do?
PayToMe.co operates an AI-native financial infrastructure platform delivering embedded payments, invoicing, and banking-as-a-service for SMBs, freelancers, and enterprises. Its suite includes the patented Text-to-Pay SMS payment solution, ACH/e-check and card processing, payment links, online invoicing, KYC/KYB/AML compliance, bank-account verification, merchant services (POS and card readers), expense management, and global money movement, with direct integrations to Plaid, Stripe, Elavon, and 12,000+ financial institutions.
Is PayToMe.co a public or private company?
PayToMe.co is a private company. It is classified as venture growth investor backed and is currently operating.
When was PayToMe.co founded?
PayToMe.co was founded in 2023. It employs 51 to 100 people.
Where is PayToMe.co based?
PayToMe.co is headquartered in Palo Alto, United States, in the North America region.
How does PayToMe.co make money?
Five revenue lines are on record. Transaction Processing Fees are the primary driver. The others are merchant Account Services, platform and API Access, identity Verification Services and acquired Business Revenue.
Who are PayToMe.co's main competitors?
PayPal is listed as a broad incumbent. Direct peers are Block (Square), Finix, Dwolla, Bill.com, Plaid, Modern Treasury, Infinicept, Stax (by Fattmerchant) and Stripe.
Does PayToMe.co have an API?
Yes. PayToMe offers API integration for bank account verification and document verification. For bank account verification, APIs enable instant verification by securely logging into online banks via authentication, replacing passwords with tokens for swift access. For KYB/KYC verification, API-based buttons allow users to authenticate documents with a single click, enabling real-time customer experience with JSON file output. The platform also integrates with ACH processors and checkout systems for seamless payment experiences.
What industry is PayToMe.co in?
PayToMe.co's product category is Payment Processing. Its primary akta.pro industry code is FSAGALAB, Embedded Payments (Pay-ins, Pay-outs, Wallets), with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 52232.