MercoaBillPay & Accounts Payable API for B2B Platforms

Mercoa - Accounts Payable API for Vertical SaaS

Build, launch, and monetize Accounts Payable and Bill Pay for your users with a single API

Key Features

• Flexible Payments: Use our built-in payment rails or bring your own payments stack.
• Onboarding & KYB: Mercoa handles onboarding, compliance, and KYB with hosted onboarding.
• Email Inbox: Provide every customer with a unique email to forward invoices.
• AI-Powered OCR: Capture data and line items from any invoice, including industry-specific and custom fields.
• Approval Workflows: Configure and trigger complex approval workflows.
• Vendor Management: Capture and manage vendor details to ensure compliance and timely payments.
• Premium Payments: Monetize payouts while offering unparalleled cashflow flexibility.
• Accounting Sync: Sync AP data into industry-standard or vertical-specific accounting systems and ERPs.
• Composable & Flexible: Leverage our vertically integrated stack or import what you need.
• Built for Developers: Backend and frontend SDKs for languages like TypeScript, Python, and Java.

Use Cases

• SaaS Platforms: Integrate AP automation to increase LTV and on-platform TPV.
• Financial Services: Offer customizable transaction fees and premium payment options.
• Enterprise Solutions: Provide visibility, control, and flexibility to the money-out side of businesses.
• Startups: Go live fast with a pre-made experience or customize with our APIs and SDKs.

Pricing

Earn an additional $20-300/month per user in SaaS fees. Monetize payments with customizable transaction fees and increase payment margins with premium options like virtual card disbursements, pay-by-card, and BNPL.

Teams

Mercoa's modular structure gives your team the flexibility to build the perfect experience. Our developer-centric approach ensures that our APIs, SDKs, and components are easy to integrate and customize, allowing your team to focus on delivering value to your users. Go live in as little as two weeks with our hosted iFrame or take full control with our REST APIs and SDKs.