PayToMe vs. onPhase Comparison


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Built for digital businesses and highly regulated industries, Sumsub serves organizations across financial services, banking, fintech, crypto, mobility, trading, marketplaces, education, and iGaming. Operating in more than 220 countries and territories, the platform helps companies localize onboarding, meet regional compliance requirements, and adapt workflows for different customer segments, jurisdictions, and risk profiles without extensive redevelopment. Trusted by more than 4,000 organizations worldwide, Sumsub's customers include Bybit, Bitpanda, Wirex, Avis, Vodafone, Duolingo, Kaizen Gaming, and Bancaribe. The company has been recognized as a Leader by Gartner, Forrester, IDC, Liminal, and KuppingerCole for its innovation in digital trust and compliance. Sumsub also contributes to the global fight against fraud and financial crime by collaborating with organizations including the UN, Statista, and INTERPOL. Its original research, including the Global Fraud Index and Fraud Report, provides insights into emerging fraud and AML trends for businesses, regulators, and financial institutions. Since 2026, Sumsub has been a member of the World Economic Forum's Unicorn Community and its Centre for Financial and Monetary Systems. 227 Ratings Visit Website Wallester Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control. 271 Ratings Visit Website WERX 30 DAY FREE TRIAL! No credit card required. Plans as low as $49/m. Professional construction management software designed for all size contractors, Werx streamlines your business with flexible estimates, AIA-Style billing, QuickBooks integration, and real-time labor tracking. Get paid faster with online payments via Stripe. Werx empowers contractors to save time, stay organized, and boost profitability. Manage projects, track time in the field, and send professional invoices all in one platform. 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Perform quick and comprehensive screening, using intelligent workflows. Receive ongoing alerts of key business indicators and disruptions. 80 Ratings Visit Website FISPAN FISPAN partners with your bank to deliver embedded, automated ERP banking solutions for accounts payable, accounts receivable, bank feeds, and cash management. Eliminate error-prone manual processes and embrace secure, seamless ERP-to-bank connectivity. Integrate your banking directly into leading ERP and accounting platforms, including NetSuite, Sage Intacct, Microsoft Dynamics 365 Business Central, Workday, QuickBooks, and Xero. Streamline AP workflows, initiate vendor payments, manage expense reimbursements, automate cash application, and send detailed remittance advice emails, all without leaving your system of record. Access near real-time account balances and transactions across entities, initiate book transfers, and automate reconciliation with secure API connections. No file uploads. 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About PayToMe.co is an AI-powered fintech platform that simplifies and automates global payments and cross-border transactions. PayToMe offers innovative financial solutions that leverage AI to streamline payment processes. Its platform provides a wide array of services, including Payment-as-a-Service (PaaS), Banking-as-a-Service (BaaS), and Software-as-a-Service (SaaS). The company focuses on simplifying global financial transactions for businesses across various sectors, such as e-commerce, retail, and healthcare. It partners with well-known fintech companies like Plaid and Stripe to enhance its offerings, which include secure payment gateways, accounts receivable/payable management, and expense tracking. The company also emphasizes automation, security, and fraud prevention, making it an ideal solution for businesses looking to optimize their payment and compliance processes. Award-winning fintech marketplace simplifying global payments with secure, customizable solutions for businesses.	About onPhase is an AI-powered financial automation platform that helps businesses scale smarter. From data capture to payment and everything in between, onPhase removes manual roadblocks, strengthens supplier relationships, and delivers real-time cash flow visibility so finance teams can grow sustainably with less friction. AP Automation and Vendor Payments Solutions: Allow onPhase to automate how invoices are captured, coded, routed for approval, and paid. All while seamlessly syncing back to your ERP of choice. Document Management Solution: Transforms how finance teams handle crucial documentation such as contracts, invoices, receipts, financial statements, and purchase orders. Forms and Workflow Automation: Automates the collection, routing, approval, and notification processes for expense approvals, time off requests, employee onboarding, and more.
Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported	Platforms Supported Windows Supported Mac Supported Linux Supported Cloud Supported On-Premises Supported iPhone Supported iPad Supported Android Supported Chromebook Supported
Audience Companies and businesses searching for a solution to optimize their payment and compliance processes	Audience Businesses seeking an accounts payable automation solution
Support Phone Support Supported 24/7 Live Support Not Supported Online Supported	Support Phone Support Supported 24/7 Live Support Supported Online Supported
API Offers API Not Supported	API Offers API Supported
Screenshots and Videos View more images or videos	Screenshots and Videos View more images or videos
Pricing No information available. Free Version Not Supported Free Trial Not Supported	Pricing Please contact onPhase for pricing details. Free Version Not Supported Free Trial Not Supported
Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software	Reviews/Ratings Overall 0.0 / 5 ease 0.0 / 5 features 0.0 / 5 design 0.0 / 5 support 0.0 / 5 This software hasn't been reviewed yet. Be the first to provide a review: Review this Software

Training Documentation Supported Webinars Not Supported Live Online Not Supported In Person Supported	Training Documentation Supported Webinars Supported Live Online Not Supported In Person Supported
Company Information PayToMe Founded: 2023 United States www.paytome.co	Company Information onPhase Founded: 2000 United States www.onphase.com
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Categories Accounts Payable Supported Accounts Receivable Supported Billing and Invoicing Supported Invoice Generators Supported KYC Supported	Categories Accounting Supported Alleviate the burden of repetitive tasks and length invoice approvals with accounting automation that allows you to capture, approve, and pay all while seamlessly integrating with your ERP. Accounts Payable Supported Alleviate the burden of repetitive tasks and length invoice approvals with accounting automation that allows you to capture, approve, and pay all while seamlessly integrating with your ERP. Accounts Receivable Supported Leverage flexible, secure payments for inbound and outbound transactions. Reduce DSO with convenient consumer bill-pay options and safeguard your bottom line with early-pay discounts. AP Automation Supported Alleviate the burden of repetitive tasks and length invoice approvals with accounting automation that allows you to capture, approve, and pay all while seamlessly integrating with your ERP. Business Process Automation Supported Business Process Management Supported Docuphase offers a comprehensive suite of intelligent financial solutions that create predictability, visibility, and efficiency. Our solutions include Document Management, Invoice and Data Capture, Forms & Workflow, AP Automation, and Vendor and Supplier Payments. All of these are designed to optimize and automate back-office operations allowing the back office of the CFO to focus on more important tasks. Data Entry Supported Attain 99.99% accuracy with our AI-driven and human-assisted OCR technology that reads header, line-item, and handwritten notes. That means less time spent manually keying in data. Document Generation Supported Transforms how finance teams handle crucial documentation such as contracts, invoices, receipts, financial statements, and purchase orders. DocuPhase can digitize paper records, centralizing these documents into an easy-to-use repository and simplifying how data is stored and retrieved for enhanced security and compliance. Document Management Supported Transforms how finance teams handle crucial documentation such as contracts, invoices, receipts, financial statements, and purchase orders. DocuPhase can digitize paper records, centralizing these documents into an easy-to-use repository and simplifying how data is stored and retrieved for enhanced security and compliance. Electronic Data Capture Supported Attain 99.99% accuracy with our AI-driven and human-assisted OCR technology that reads header, line-item, and handwritten notes. That means less time spent manually keying in data. Finance Supported Alleviate the burden of repetitive tasks and length invoice approvals with accounting automation that allows you to capture, approve, and pay all while seamlessly integrating with your ERP. Forms Automation Supported Automates the collection, routing, approval, and notification processes for expense approvals, time off requests, and employee onboarding. Ensure the right stakeholders are involved at each step of your process, however simple or complex, minimizing delays and bottlenecks. OCR Supported Attain 99.99% accuracy with our AI-driven and human-assisted OCR technology that reads header, line-item, and handwritten notes. That means less time spent manually keying in data. Workflow Automation Supported Workflow Management Supported Automates the collection, routing, approval, and notification processes for expense approvals, time off requests, and employee onboarding. Ensure the right stakeholders are involved at each step of your process, however simple or complex, minimizing delays and bottlenecks.
	Accounts Payable Features Approval Process Control Not Supported Bank Reconciliation Supported Cash Management Not Supported Check Writing Not Supported Duplicate Payment Alert Supported Fraud Detection Supported General Ledger Entry Not Supported Vendor Management Supported Accounts Receivable Features ACH Payment Processing Supported Billing & Invoicing Supported Check Processing Supported Collections Management Not Supported Online Payment Processing Not Supported Overpayment Processing Not Supported Partial Payments Not Supported Receivables Ledger Not Supported Recurring Billing Not Supported Show More Features Accounting Features Accounts Payable Supported Accounts Receivable Supported Bank Reconciliation Supported Billing & Invoicing Supported Cash Management Not Supported CPA Firms Not Supported Cryptocurrency Support Not Supported Expense Tracking Supported Fixed Asset Management Not Supported Fund Accounting Not Supported General Ledger Not Supported Government Not Supported Multi-Currency Supported Nonprofits Supported Payroll Management Not Supported Project Accounting Not Supported Purchase Orders Supported Tax Management Not Supported Business Process Management Features Access Controls / Permissions Supported Alerts / Notifications Supported Business Process Automation Supported Business Rules Management Supported Collaboration Supported Process Change Tracking Supported Process Mapping Supported Process Modeling & Design Supported Visual Workflow Management Supported Data Entry Features Abbreviation Detection Supported Data Capture and Transfer Supported Data Cleansing Supported Data Entry Verification Supported Data Search Flexibility Supported Duplicate Detection Supported Flexible Search Supported Image Entry Supported Library Conversion Not Supported Mis-Keyed Variation Detection Not Supported Phonetic Variation Detection Not Supported Document Generation Features Batch Processing Supported Collaboration Supported Digital Signature Supported Interaction Tracking Not Supported Multiple Output Formats Not Supported Templates Not Supported Document Management Features Access Controls Supported Archiving & Retention Supported Collaboration Tools Supported Compliance Tracking Supported Document Archiving Supported Document Assembly Not Supported Document Capture Not Supported Document Conversion Not Supported Document Delivery Supported Document Indexing Supported Document Retention Supported Electronic Signature Supported Email Management Supported File Recovery Supported File Type Conversion Supported Forms Management Supported Full Text Search Supported Offline Access Supported Optical Character Recognition Supported Print Management Not Supported Version Control Supported Electronic Data Capture Features Audit Trail Supported CRF Tracking Supported Data Entry Supported Data Verification Supported Distributed Capture Supported Document Imaging Supported Document Indexing Supported Forms Management Supported Remote Capture Supported Study Management Not Supported Forms Automation Features Approval Process Control Supported Archiving & Retention Supported Collaboration Supported Document Indexing Supported Drag & Drop Supported Full Text Search Supported Remote Document Access Supported Rules-Based Workflow Supported Text Editing Supported Version Control Supported OCR Features Batch Processing Supported Convert to PDF Supported ID Scanning Supported Image Pre-processing Supported Indexing Supported Metadata Extraction Supported Multi-Language Supported Multiple Output Formats Supported Text Editor Supported Zone Selection Tool Supported Workflow Management Features Access Controls/Permissions Supported Approval Process Control Supported Business Process Automation Supported Calendar Management Not Supported Compliance Tracking Supported Configurable Workflow Supported Customizable Dashboard Supported Document Management Supported Forms Management Supported Graphical Workflow Editor Supported Mobile Access Supported No-Code Supported Task Management Supported Third Party Integrations Supported Workflow Configuration Supported
Integrations Acumatica Cloud ERP Not Supported Dealertrack DMS Not Supported Dynamics 365 Commerce Not Supported Elavon Supported Infor CloudSuite Corporate Not Supported Infor CloudSuite ERP Not Supported Infor LN Not Supported Infor SyteLine Not Supported Microsoft Dynamics 365 Not Supported Microsoft Dynamics 365 Business Central Not Supported Microsoft Dynamics 365 Finance Not Supported Microsoft Dynamics GP Not Supported NetSuite Not Supported Plaid Supported SAP Business One Not Supported Sage 300 Not Supported Sage 300 Construction and Real Estate (CRE) Not Supported Sage 500 Not Supported Stripe Supported Workday Extend Not Supported Show More Integrations View All 4 Integrations	Integrations Acumatica Cloud ERP Supported Dealertrack DMS Supported Dynamics 365 Commerce Supported Elavon Not Supported Infor CloudSuite Corporate Supported Infor CloudSuite ERP Supported Infor LN Supported Infor SyteLine Supported Microsoft Dynamics 365 Supported Microsoft Dynamics 365 Business Central Supported Microsoft Dynamics 365 Finance Supported Microsoft Dynamics GP Supported NetSuite Supported Plaid Not Supported SAP Business One Supported Sage 300 Supported Sage 300 Construction and Real Estate (CRE) Supported Sage 500 Supported Stripe Not Supported Workday Extend Supported Show More Integrations View All 19 Integrations
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