aid: mercoa
name: Mercoa
description: Mercoa is an embedded AP and AR platform that vertical SaaS companies use to launch AI-powered BillPay and invoicing inside their own products. The platform handles bill ingestion via intelligent email inboxes, vendor onboarding, approval workflows, payment scheduling, branded invoicing, AI-driven collection reminders, and disbursement across ACH, check, virtual card, and BNPL. Builders can choose React components, a hosted iFrame, or pure REST APIs and SDKs depending on how much UI control they need. Mercoa publishes official SDKs for TypeScript, Python, and Java and is backed by Y Combinator. Customers monetize Mercoa through per-user pricing, transaction fees, and premium payment option margins.
type: Index
position: Provider
access: 3rd-Party
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - Mercoa
  - Embedded Finance
  - Accounts Payable
  - Accounts Receivable
  - BillPay
  - Invoicing
  - Payments
  - Vertical SaaS
  - Vendors
  - Approvals
  - Disbursements
  - Virtual Cards
url: https://raw.githubusercontent.com/api-evangelist/mercoa/refs/heads/main/apis.yml
created: '2026-05-23'
modified: '2026-05-23'
specificationVersion: '0.20'
apis:
  - aid: mercoa:mercoa-api
    name: Mercoa API
    description: REST API and SDK suite for embedding accounts payable and accounts receivable into vertical SaaS platforms. Exposes resources for entities, users, invoices, bills, vendors, approval policies, payment methods, and disbursements, with webhooks for event-driven workflows. Mercoa offers official SDKs for TypeScript, Python, and Java, plus React components and a hosted iFrame for white-labeled AP/AR experiences.
    humanURL: https://docs.mercoa.com/
    baseURL: https://api.mercoa.com
    tags:
      - AP
      - AR
      - Invoices
      - Bills
      - Vendors
      - Payments
      - Approvals
      - Entities
    properties:
      - type: Documentation
        url: https://docs.mercoa.com/
      - type: GettingStarted
        url: https://docs.mercoa.com/embedded-ap-ar/home/getting-started/step-1-get-api-keys
      - type: Authentication
        url: https://docs.mercoa.com/embedded-ap-ar/home/getting-started/step-1-get-api-keys
      - type: SourceCode
        url: https://github.com/mercoa-finance
      - type: SDK
        url: https://github.com/mercoa-finance
      - type: SignUp
        url: https://mercoa.com/
    features:
      - name: Embedded AP Workflows
        description: Ingest bills via email or upload, run them through approval workflows, and pay vendors from inside your own SaaS UI.
      - name: Embedded AR Workflows
        description: Generate branded invoices, automate AI-driven reminders, manage late fees, and accept payments inside your platform.
      - name: AI Bill Capture and Categorization
        description: Extract data from bills and auto-categorize line items for general ledger coding.
      - name: Vendor Onboarding
        description: Collect vendor payment details, tax forms, and KYC information through hosted or embedded flows.
      - name: Multi-Method Disbursements
        description: Pay vendors via ACH, check, virtual card, wire, and BNPL through a single API.
      - name: Approval Policies
        description: Define multi-step approval rules per entity, amount, vendor, or GL account.
      - name: React Components and Hosted iFrame
        description: Drop in prebuilt UI components or a hosted iFrame for fast time to market without giving up customization.
      - name: Webhooks
        description: Subscribe to invoice, payment, vendor, and approval events for downstream automation.
      - name: Multi-Entity Support
        description: Manage many child entities under one Mercoa organization, ideal for vertical SaaS serving thousands of small businesses.
    useCases:
      - name: Vertical SaaS BillPay
        description: Add BillPay as a monetized feature inside vertical SaaS platforms for industries like construction, hospitality, or healthcare.
      - name: Embedded Invoicing
        description: Let platform customers send branded invoices and collect payments without leaving your product.
      - name: Marketplace Payouts
        description: Disburse funds to vendors and suppliers on marketplaces using ACH, virtual card, or check.
      - name: Spend Approvals
        description: Run approval workflows for bills above certain thresholds with audit trails.
      - name: Embedded Finance Monetization
        description: Earn revenue per user, per transaction, and on premium payment options like virtual cards.
    integrations:
      - name: QuickBooks Online
      - name: NetSuite
      - name: Xero
      - name: Sage Intacct
      - name: Plaid
      - name: Stripe
      - name: Unit
      - name: ACH
      - name: Check Printing
      - name: Virtual Cards
      - name: Slack
      - name: Gmail
    authentication:
      - type: API Key
        description: Backend API keys issued from the Mercoa Dashboard, used server-side; not for browser exposure.
common:
  - type: Website
    url: https://mercoa.com/
  - type: Documentation
    url: https://docs.mercoa.com/
  - type: SourceCode
    url: https://github.com/mercoa-finance
  - type: SignUp
    url: https://mercoa.com/
  - type: LLMsTxt
    url: https://docs.mercoa.com/llms.txt
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com