PayToMe.co, an award-winning AI-native FinTech platform known for its work in embedded finance and cross-border financial infrastructure, has announced a major step forward by joining IBM Partner Plus as an Embedded Solutions Business Partner. This collaboration will see PayToMe.co integrate IBM’s advanced AI, cloud, and automation technologies into its FinTech ecosystem marking a new era of intelligent payments, automated bookkeeping, and real-time financial management for businesses worldwide.
By embedding IBM’s watsonx-powered AI and hybrid cloud into its platform, PayToMe.co aims to deliver enterprise-grade financial infrastructure to both SMBs and global enterprises, making financial operations faster, smarter, and more secure.
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“We’ve brought together the best of modern technology—AWS, Stripe, Plaid, and QuickBooks—and unified them into a single AI-driven FinTech fabric,” said Mike Ulker, Founder and CEO of PayToMe.co. “Through IBM Partner Plus, we’re embedding watsonx AI and hybrid cloud into our platform so any business can plug in, transact, and grow globally. Our goal is to become the ‘Amazon of FinTech marketplaces,’ empowering businesses across industries with scalable, intelligent finance.”
As part of the partnership, PayToMe.co gains access to IBM watsonx, a comprehensive suite of enterprise AI tools, including watsonx.ai for generative AI and watsonx.governance for responsible, transparent AI management. The company will also leverage watsonx Assistant to power conversational AI agents and automate customer and back-office workflows—bringing greater efficiency and personalization to financial operations.
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Beyond technology, IBM Partner Plus offers PayToMe.co a global ecosystem of support, co-marketing opportunities, and cloud enablement programs to scale faster and reach new markets.
At its core, PayToMe.co is redefining how businesses handle payments, compliance, and automation. Its AI-native infrastructure streamlines complex financial workflows—like real-time reporting, bookkeeping, and fraud prevention into seamless, data-driven operations. Whether it’s enterprise SaaS, digital marketplaces, or global commerce platforms, PayToMe.co is building the intelligent backbone for modern finance.
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With IBM’s partnership, the company plans to further strengthen its AI compliance and fraud detection capabilities, enhance chat-based automation, and ensure enterprise-grade security and scalability across regions. Together, PayToMe.co and IBM are setting a new benchmark for how embedded finance and AI can power the next generation of global digital business.
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