All-In-One FinTech Platform
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
In-Person Payments
Online Payments
0% Merchant Fee
Merchant Pricing
Business Solution & Platforms
Account Receivable
Account Payable
Expense Management
Business Banking
Simpler, Easier, Smarter Business Products
Online Invoicing
Payment Links
Text-to-Pay
ACH & E-Check
Identity Verification
Partners, News & Awards
May 19, 2025
PayToMe.co has been chosen by the AWS Strategic Startups Team to enhance its growth in the fintech sector.
Apr 23, 2025
PayToMe.co Secures Hatcher+ Investment, Enhancing Global AI Financial Solutions for Small and Medium Businesses.
December 17, 2024
PayToMe.co Achieves the #2 Position in Hatcher+ Global Top 100 Startups Ranking for November 2024.
November 13, 2024
PayToMe.co and Boundarie.org Announce Strategic Partnership to Advance Global Education and Financial Inclusion Efforts on a Worldwide Scale.
October 17, 2024
PayToMe.co Expands Fintech Marketplace Vision at Money20/20 USA 2024, Supported by Startupbootcamp, to accelerates growth and innovation.
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.
October 09, 2024
PayToMe.co Enters the Top 1% Startups Globally, Showcasing Innovation and Commitment to Financial Inclusion.
August 21, 2024
PayToMe.co, a FinTech innovator, won Silver for Technical Innovation at the 2024 Stevie Awards, highlighting its AI advancements.
May 14, 2024
PayToMe.co to Demo Innovative Financial Technologies at FinovateSpring 2024.
May 1, 2024
PayToMe.co, a fintech company, achieves six Stevie Awards for AI and tech excellence in American Business Awards in 2024.
Apr 24, 2024
PayToMe.co introduced AI-Driven KYC technology to enhance global e-commerce transactions through ShipToBox.com.
April 16, 2024
PayToMe.co featured in the Authoritative Nilson Report, a leading voice in the card payment sector.
March 11, 2024
PayToMe.co is proud to announce its official partnership with Plaid, a leading platform in the financial technology ecosystem.
February 01, 2024
AppTech Drives Licensing Revenues as Patent Licensee PayToMe.co Elevates Financial Technology Landscape with Plaid Integration.
September 21, 2023
AppTech Payments Corp. Continues Global Expansion with Partner and Licensee PayToMe.co Opening New Office in Egypt.
August 14, 2023
PayToMe.co Has Earned The Coveted International Business Awards (2023 Stevie Award) for "Tech Startup of the Year - Services"
June 27, 2023
AppTech Payments Corp. Grants Patent License to Emerging Fintech Innovator PayToMe.co
PayToMe - Your Complete Payment Solution
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.