B2B Payments for Vertical SaaS Platforms

Everything you need to launch AI-powered BillPay and Invoicing to your customers. Payments, workflows and frontend components vertically integrated or a-la-carte.

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Be the one platform your customers need to run their business

Launch payment solutions that look and feel like an extension of your brand. From onboarding to activation, Mercoa gives you everything to provide a branded payment experience that helps your customers pay and get paid faster while proactively managing their cashflow.

Accounts Payable (AP)

Process any bill through an intelligent email inbox or manual upload
Onboard vendors and gather vendor payment details
Keep track of partial payments, apply vendor credits, and provide intelligent payment scheduling suggestions based on cash flow
AI auto-categorization of line items, GL accounts, and even industry-specific codings
Utilize simple or complex approval workflows

Accounts Receivable (AR)

AI Agent automatically turns contracts into invoices
Send branded invoices and payment links with their logo and branding
Automate payment collection with AI-driven payment reminders
Apply late fees when applicable and resubmit invoices

Unlock new revenue streams

Increase LTV and on-platform TPV by offering your customers a financial one-stop-shop that provides visibility, control, and flexibility around their AP & AR. Expand your opportunity to monetize on payments.

Earn an additional $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

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
  ],
});

Multiple ways to implement

Choose the implementation approach that best fits your team's needs and timeline

React Components

Maximize flexibility with the lowest lift

Give your team full control over the UI and experience without worrying about business logic. Our components can be dropped in as is or customized down to the HTML and CSS.

Hosted iFrame

Out of the box AP/AR made easy

For teams who want to move fast, we offer a pre-made experience that drops directly into your product. Go live fast with a design users will love.

Rest APIs and SDKs

Total control for teams that need it

Our API gives you the flexibility you need to create and offer a customized AP automation solution that fits into your existing infrastructure.

Launch AI-powered BillPay & Invoicingyour customers will love

Go live in just 3 weeks

Book a demo API Docs