Accounts Payable API for
Vertical SaaS 

Everything you need to launch AP Automation & Bill Pay to your users
Backed by:
What we do

Offer AP Automation your customers will love

Launch AP Automation & BillPay to your users within weeks

Monetize with premium payments

Generate revenue by offering premium payment methods that help your customers and vendors pay and get paid quickly and easily.

Process invoices

Leverage Mercoa's vertical stack to give your customers the easiest way to manage their accounts payable process with an email inbox, invoice OCR, and approval workflows.
How would you like to get paid?
Virtual  Card
Bank Transfer
3 Business Days
14 Business Days

Grow your vendor network

Help your customers pay with confidence by bringing their vendors into the conversation to maintain their payment details. Payment information remains safe and protected.


Developers love how Mercoa integrates with your platform

We know your team has a lot on their plate. Let us handle the complexity and let your team focus on adding value.
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 made easy

For team 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.

Total control for teams that need it

Want to build your own UI/UX? Our API gives you the flexibility you need to create and offer a customized AP automation solution to your users.

SDKs and docs built by developers 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.get('YOUR_ENTITY_ID');

Launch revenue generating AP your customers love

Go live in as little as 3 weeks.