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Mercoa

B2B Payments for Vertical SaaS Platforms

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Mercoa provides embedded BillPay, Invoicing, and Payouts APIs for vertical SaaS platforms, enabling them to offer payment experiences to their own customers. The platform covers accounts payable and accounts receivable, including processing bills through an intelligent email inbox or manual upload, vendor onboarding, payment tracking, approval workflows, branded invoices and payment links, and automated payment collection.

Features include AI auto-categorization of line items and GL accounts, an AI agent that turns contracts into invoices, AI-driven payment reminders, and payment scheduling suggestions based on cash flow. Integration options include React components, a hosted iFrame, and REST APIs with backend and frontend SDKs for TypeScript, Python, and Java. Payment methods include virtual card disbursements, pay-by-card, and BNPL.

Mercoa is built for SaaS platforms looking to add AP and AR capabilities to their products. The platform supports customizable transaction fees for monetizing payments. Implementation can be chosen based on team needs: React components for flexibility, a hosted iFrame for faster deployment, or REST APIs and SDKs for full control.

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