Accounts Payable API for Vertical SaaS

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

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API Docs

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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

everything

AP

Flexible Payments

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

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Onboarding & KYB

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

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Email Inbox

Give every customer their own unique email to forward invoices to

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AI-Powered OCR

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

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Approval Workflows

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

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Vendor Management

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

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Premium Payments

Monetize payouts while offering your customers unparalleled cashflow flexibility

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Accounting Sync

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

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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

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.

See Docs

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
    ],
});