Increase Virtual Card Revenue From Your BillPay Customers
Our agents detect card-eligible invoices and pay them securely using your virtual cards. Drive more interchange revenue with two API calls.
Backed By:
INVOICE
Card issued by you
**** **** **** 4242
VALID THRU
12/25
CVV
***
Uncover Hidden Card Revenue
Mercoa's AI agents automatically discover payment opportunities hidden in invoices and supplier portals. Transform existing ACH and check volume into card revenue without changing your customer experience.
Automatically scan invoices for embedded payment links and portals
Validate card acceptance and identify processing fees
Convert existing ACH and Check volume to card spend
Access large vendors, like utilities and municipalities, previously unreachable through traditional methods
Zero Customer Changes
Increase card volume with no changes to your customer experience
High Success Rate
Convert 15% to 30% of invoices to card spend
Fully Automated
Eliminate vendor follow-up and manual card entry processes
Your Existing Issuer
Run virtual cards using your existing issuer
How It Works
Our intelligent system handles the entire payment workflow, from invoice detection to payment completion.
Mercoa detects embedded payment links
Our agent scans invoices for vendor payment portals and payment links. While some are found directly on the invoice, others are hidden or require research to uncover.
Validates whether cards are accepted
The agent verifies if the vendor accepts cards and determines the optimal payment method for each transaction.
Flags any fees
The agent identifies and reports any processing fees or surcharges associated with card payments.
Runs a virtual card issued by you to complete the transaction
The agent securely processes the payment using your virtual card infrastructure, ensuring seamless completion.
See It In Action
Frequently Asked Questions
Yes! The Mercoa agent is accessed via API, making it easy to integrate with your existing BillPay product. Check out our API documentation for integration details.
No. Your customers schedule payments as they do normally using your BillPay software.
We support PDF and HTML invoices. Scanned invoices are supported, but tend to have lower success rates. You can also send us the raw payment link if you already extract it with your OCR!
No. You or your customer issue the card. We run it securely.
All payments are processed using your secure virtual cards. Leverage our pre-built integrations with popular issues like Stripe & Lithic or pass us a PCI compliant iframe to share card details with our agent. We use bank-level encryption and follow PCI DSS compliance standards to ensure your data and payments are protected every step of the way.
Mercoa can handle most business invoices including utilities, services, subscriptions, and vendor payments. Our agent automatically identifies when a vendor accepts a virtual card and processes accordingly.
Analysis results are typically delivered within minutes. You receive a detailed breakdown of the invoice, the vendor, available payment options, and associated fee information via our API.
Mercoa scans the invoice for a payment link. After a payment link is found, Mercoa verifies if the vendor accepts cards and any associated fees.
If a vendor charges fees for processing cards or doesn't accept cards, Mercoa falls back to asking the vendor for their bank information so you can still pay them using ACH. You also have the option to run a virtual card to the vendor if your customer prefers to pay the surcharge fee
Yes. From your customer's perspective, nothing about their current BillPay experience changes. Customers still have control over when an invoice is scheduled to be paid
We maintain, curate, and refresh our vendor graph to ensure we always have their latest preferred payment path & associated details to pass back to you.
You receive a webhook with the failure reason. You decide how to retry or fall back.
Ready to boost your virtual card revenue?
See how much card volume you can capture from your BillPay customers.
No product UX changes required.