Accounts Payable API for Vertical SaaS

Accounts Payable API for Vertical SaaS

Accounts Payable API for Vertical SaaS

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

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

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Trusted by

Unlock

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new revenue streams

new revenue streams

Become a financial one-stop shop with AP Automation to increase LTV and on-platform TPV. Provide visibility, control, and flexibility to the money-out side of your user's business.

Earn an additional $20-300/month per user in SaaS fees

Monetize payments with customizable transaction fees


Increase payment margins with premium options like virtual card disbursements, pay-by-card, and BNPL

One API for

One API for

everything

everything

AP

AP

Flexible Payments

Use our built-in payment rails or bring your own payments stack

Onboarding & KYB

Onboarding & KYB

Mercoa handles onboarding, compliance, and KYB. Use our hosted onboarding to get going fast!

Email Inbox

Email Inbox

Give every customer their own unique email to forward invoices to

AI-Powered OCR

AI-Powered OCR

AI-Powered OCR

Capture data and line items from any invoice, including industry specific and custom fields

Approval Workflows

Approval Workflows

Let customers configure and trigger complex approval workflows that fit their process

Vendor Management

Vendor Management

Vendor Management

Capture and manage vendor details so your customers stay compliant and never miss a payment

Premium Payments

Premium Payments

Monetize payouts while offering your customers unparalleled cashflow flexibility

Accounting Sync

Accounting Sync

Sync your customer's AP data into industry standard or vertical specific accounting systems and ERPs

Composable

&

Flexible

Leverage our vertically integrated stack, or import what you need to fill in the gaps. Mercoa's modular structure gives your team flexibility to build the perfect experience.

Built for developers

Built for developers

Developer experience is in our DNA. Mercoa has backend and frontend SDKs for languages like TypeScript, Python, and Java. Our docs are part of the product, not an afterthought.

import { MercoaApi, MercoaApiClient } from "@mercoa/javascript"

const mercoa = new MercoaApiClient({
    token: 'YOUR_API_KEY',
});

const entity = await mercoa.entity.find({
    foreignId: 'YOUR_CUSTOMER_ID'
});

const invoices = await mercoa.entity.invoice.find(entity.id, {
    status: [
      MercoaApi.InvoiceStatus.APPROVED,
      MercoaApi.InvoiceStatus.SCHEDULED
    ],
});

import { MercoaApi, MercoaApiClient } from "@mercoa/javascript"

const mercoa = new MercoaApiClient({
    token: 'YOUR_API_KEY',
});

const entity = await mercoa.entity.find({
    foreignId: 'YOUR_CUSTOMER_ID'
});

const invoices = await mercoa.entity.invoice.find(entity.id, {
    status: [
      MercoaApi.InvoiceStatus.APPROVED,
      MercoaApi.InvoiceStatus.SCHEDULED
    ],
});

Launch revenue generating AP your customers love

Launch revenue generating AP your customers love

Go live in as little as two weeks