PayToMe co

PayToMe co is an AI-powered award-winning fintech platform that simplifies and automates global payments and cross-border transactions.

1) Our technology is proven with strategic partners like Plaid, Stripe, and Elavon. 2) We're connected to 12,000 financial institutions globally, offering merchant services in 34 countries and customizable invoicing in 100+. 3) Over 100 businesses use our AI-driven KYC/KYB solutions, and we've processed 1,000+ transactions through our paten 4) We’ve won eight awards for social impact and technology excellence. Now, we're ready to scale. 5) Joined Startupbootcamp Cohort, an honor for the top 1% startups globally. 6) Closed seed round fromACH Australia Investments Pty Ltd.

PayToMe.co primarily serves small and medium-sized businesses (SMBs) in over 100 countries, offering AI-driven financial solutions. The platform targets businesses needing seamless cross-border transactions, mobile payments, and advanced bank verification services.

Globally, over 400 million SMBs lose $48 billion annually due to fraud, invoicing errors, payment delays, representing a $150 billion opportunity in the fintech market.
PayToMe.co solves these inefficiencies with an AI-powered platform for global payments, customizable invoicing, and cross-border transactions. Through leading partners like Plaid, Stripe, and US Bank, we connect 12,000 financial institutions and 7,000 applications globally, creating an inclusive, scalable, and efficient financial ecosystem.

Our product suite includes: 1) Text-to-Pay: convenient and secure anywhere, anytime, and increases customer conversion rates. 2) Customizable Invoicing: Tailored for 100+ countries, 3) AI-powered Fraud Detection and Compliance technology connects to 12,000 financial institutions and 7,000 applications globally 4) Automate AR/AP: Streamlines operations and faster cash flow. 5) Fast and secure Merchant onboarding across 34 countries in 14 languages

Key competitors include PayPal and Wise, which offer global payments solutions. However, PayToMe.co differentiates itself by providing customizable invoicing for 100+ countries, patented Text-to-Pay, AI-driven technology, and automation of Accounts payables and receivables etc.

PayToMe.co offers a unique combination of patented Text-to-Pay technology and AI-driven KYC/KYB verification. The platform also integrates with 12,000 financial institutions globally, providing scalable, secure, and customizable solutions for cross-border payments.

Revenue streams include transaction fees, subscriptions for access to advanced invoicing tools, and integration services with financial institutions. The cost structure is driven by infrastructure, partnerships with financial networks, and platform development.

Business Model
PayToMe.co aims to be the Amazon of Financial Services, empowering SMBs to access a full suite of financial tools in one unified platform. We operate on a B2B and B2B2C model. The platform generates revenue from subscription fees for advanced features like invoicing and automated payments. It also charges transaction fees on cross-border payments, AI-driven KYC/KYB verification services, and API integration with financial institutions. Partnerships with industry leaders such as Plaid, Stripe, and Elavon enhance the platform’s value.

Funds will be allocated towards expanding into new markets, further developing AI-driven payment solutions, and enhancing the platform’s security features.

PayToMe.co offers equity in exchange for funding, with the opportunity to be part of a fast-growing fintech company that is poised for significant growth in the global SMB market.

Potential risks include evolving global regulatory compliance requirements and competition from larger fintech firms, which may replicate some of PayToMe.co’s innovative solutions.

PayToMe.co was among the Startupbootcamp cohort, an honor for the top 1% of startups globally. Startupbootcamp is the largest acceleraor in the world where it helps startups to connect 5,000 mentors, corporate partners, and investors globally. Since 2010, Startupbootcamp has operated over 150 accelerators in more than 20 countries, helping over 1,600 startups reach their full potential. On average, startups in the program experience a 2.5x increase in valuation and raise approximately €1.5 million within six to twelve months of completing the accelerator.

PayToMe.co has won eight American and international awards for technology excellence and social impact, including two gold and three silver awards.

PayToMe.co holds a licensed patent for Text-to-Pay technology and mobile payment systems, allowing seamless, secure transactions via SMS, enhancing global payment solutions for businesses.