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.
APIs.json: https://raw.githubusercontent.com/api-evangelist/mercoa/refs/heads/main/apis.yml
- Type: Index
- Position: Provider
- Access: 3rd-Party
- Mercoa
- Embedded Finance
- Accounts Payable
- Accounts Receivable
- BillPay
- Invoicing
- Payments
- Vertical SaaS
- Vendors
- Approvals
- Disbursements
- Virtual Cards
- Created: 2026-05-23
- Modified: 2026-05-23
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.
- Human URL: https://docs.mercoa.com/
- Base URL:
https://api.mercoa.com
- AP
- AR
- Invoices
- Bills
- Vendors
- Payments
- Approvals
- Entities
- Documentation
- Getting Started
- Authentication
- Source Code
- SDK
- Sign Up
- Postman Collection — Postman Collection 2.1
- Open Collection — Open Collection 1.0
FN: Kin Lane Email: kin@apievangelist.com