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Mercoa
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.
Mercoa publishes 54 API contracts indexed on the APIs.io network, including Entities API, Entity Groups API, Invoice Templates API, and 51 more. Tagged areas include Mercoa, Embedded Finance, Accounts Payable, Accounts Receivable, and Bill Pay.
The Mercoa catalog on APIs.io includes 1 Spectral governance ruleset.
Mercoa’s developer surface includes authentication, documentation, signup flow, engineering blog, and 9 more developer resources.
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APIs 54
Open Collections 10
MCP Servers 1
Pricing
Pricing Plans 1
Rate Limits 1
FinOps 1
Spectral Rules 1
Security Posture 2
Agentic Access 1
Resources 13
apis.yml
Business capabilities this provider's published APIs can perform, derived from its own
contracts. Browse all capabilities →
10 Operational Transparency
11 Create-or-Update Ergonomics
Composite quality — 33.7/100 · thin
Agent readiness — 32/100 · agent ready
Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons ; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.
measured — observed by APIs.io (verified)
measured — observed by APIs.io (published)
Individual APIs this provider publishes, each with its own machine-readable definition.
REST API and SDK suite for embedding accounts payable and accounts receivable into vertical SaaS platforms. Exposes resources for entities, users, invoices, bills, vendors, appr...
The Entities API from Mercoa — 7 operation(s) for entities.
The Entity Groups API from Mercoa — 5 operation(s) for entity groups.
The Invoice Templates API from Mercoa — 3 operation(s) for invoice templates.
The Invoices API from Mercoa — 8 operation(s) for invoices.
The OCR API from Mercoa — 3 operation(s) for ocr.
The Organization API from Mercoa — 1 operation(s) for organization.
The Payment Gateway API from Mercoa — 2 operation(s) for payment gateway.
The Payment Methods API from Mercoa — 3 operation(s) for payment methods.
The Transactions API from Mercoa — 2 operation(s) for transactions.
The API Reference API from Mercoa — 0 operation(s) for api reference.
The bank-lookup API from Mercoa — 1 operation(s) for bank-lookup.
The calculate API from Mercoa — 2 operation(s) for calculate.
The custom-payment-method-schema API from Mercoa — 2 operation(s) for custom-payment-method-schema.
The Entity API from Mercoa — 2 operation(s) for entity.
The entity > approval-policy API from Mercoa — 5 operation(s) for entity > approval-policy.
The entity > bnpl API from Mercoa — 1 operation(s) for entity > bnpl.
The entity > bulk API from Mercoa — 2 operation(s) for entity > bulk.
The entity > counterparty API from Mercoa — 4 operation(s) for entity > counterparty.
The entity > counterparty > bulk API from Mercoa — 2 operation(s) for entity > counterparty > bulk.
The entity > counterparty > vendor-credit API from Mercoa — 4 operation(s) for entity > counterparty > vendor-credit.
The entity > customization API from Mercoa — 1 operation(s) for entity > customization.
The entity > document API from Mercoa — 3 operation(s) for entity > document.
The entity > email-log API from Mercoa — 2 operation(s) for entity > email-log.
The entity > email-template API from Mercoa — 3 operation(s) for entity > email-template.
The entity > external-accounting-system API from Mercoa — 4 operation(s) for entity > external-accounting-system.
The entity-group API from Mercoa — 1 operation(s) for entity-group.
The entity-group > counterparty API from Mercoa — 4 operation(s) for entity-group > counterparty.
The entity-group > invoice API from Mercoa — 3 operation(s) for entity-group > invoice.
The entity-group > user API from Mercoa — 5 operation(s) for entity-group > user.
The entity > invoice API from Mercoa — 3 operation(s) for entity > invoice.
The entity > metadata API from Mercoa — 2 operation(s) for entity > metadata.
The entity > notification-policy API from Mercoa — 2 operation(s) for entity > notification-policy.
The entity > payment-method API from Mercoa — 3 operation(s) for entity > payment-method.
The entity > payment-method > bank-account API from Mercoa — 1 operation(s) for entity > payment-method > bank-account.
The entity > payment-method > wallet API from Mercoa — 3 operation(s) for entity > payment-method > wallet.
The entity > representative API from Mercoa — 3 operation(s) for entity > representative.
The entity > user API from Mercoa — 4 operation(s) for entity > user.
The entity > user > notification-policy API from Mercoa — 2 operation(s) for entity > user > notification-policy.
The entity > user > notifications API from Mercoa — 2 operation(s) for entity > user > notifications.
The invoice > bnpl API from Mercoa — 2 operation(s) for invoice > bnpl.
The invoice > bulk API from Mercoa — 1 operation(s) for invoice > bulk.
The invoice > collection API from Mercoa — 2 operation(s) for invoice > collection.
The invoice > comment API from Mercoa — 3 operation(s) for invoice > comment.
The invoice > document API from Mercoa — 7 operation(s) for invoice > document.
The invoice > line-item API from Mercoa — 1 operation(s) for invoice > line-item.
The invoice > payment-links API from Mercoa — 4 operation(s) for invoice > payment-links.
The invoice-template > approval API from Mercoa — 3 operation(s) for invoice-template > approval.
The invoice-template > document API from Mercoa — 6 operation(s) for invoice-template > document.
The invoice-template > line-item API from Mercoa — 1 operation(s) for invoice-template > line-item.
The organization > notification-configuration API from Mercoa — 2 operation(s) for organization > notification-configuration.
The payment-gateway > process API from Mercoa — 2 operation(s) for payment-gateway > process.
The payment-gateway > validate API from Mercoa — 2 operation(s) for payment-gateway > validate.
The Transaction API from Mercoa — 1 operation(s) for transaction.
Scroll for all 54
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
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Model Context Protocol servers that expose these APIs to AI agents.
Mercoa API pricing
Not yet checked against Mercoa's own pricing page. Compiled by API Evangelist on 2026-05-22; confirm before you rely on a figure. A free plan or tier is listed.
Plan Price
Free freemium
Free
Plan details, limits and sources →
Rate limits
Free Tier Default: 10 requests per minute Pro Tier Default: 120 requests per minute
Compiled by API Evangelist, not yet checked against Mercoa's documentation. Rate-limit details →
Published pricing tiers and plan structures.
Documented rate limits and quota policies.
Cost, billing, and metering signals for API financial operations.
Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Recommended x-agentic-access execution contracts for AI agents.
Get Started 1
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 1
Properties that don't map to a standard resource type
Source (apis.yml)
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
deliveryModel:
model: saas
open_source: false
commercial: true
callable_host: true
label: Hosted service · you call their endpoint
confidence: high
source:
- openapi
- pricing
generated: '2026-08-28'
method: derived
accessModel:
pricing: free
onboarding: self-serve
trial: false
try_now: true
public: false
gated: none
gated_source:
- onboarding
label: Free · Self-serve signup
confidence: medium
source:
- plans
- authentication
- security
generated: '2026-11-13'
method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mercoa.png
x-docs-platform: fern
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Mercoa
- Embedded Finance
- Accounts Payable
- Accounts Receivable
- Bill Pay
- Invoicing
- Payments
- Vertical SaaS
- Vendors
- Approvals
- Disbursements
- Virtual Cards
tags_raw:
- 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: '0.23'
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
- Augmented Reality
- Invoices
- Bills
- Vendors
- Payments
- Approvals
- Entities
tags_raw:
- 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: SDKs
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.
- aid: mercoa:mercoa-entities-api
name: Mercoa Entities API
description: The Entities API from Mercoa — 7 operation(s) for entities.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Entities
properties:
- type: OpenAPI
url: openapi/mercoa-entities-api-openapi.yml
- aid: mercoa:mercoa-entity-groups-api
name: Mercoa Entity Groups API
description: The Entity Groups API from Mercoa — 5 operation(s) for entity groups.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Entity Groups
properties:
- type: OpenAPI
url: openapi/mercoa-entity-groups-api-openapi.yml
- aid: mercoa:mercoa-invoice-templates-api
name: Mercoa Invoice Templates API
description: The Invoice Templates API from Mercoa — 3 operation(s) for invoice templates.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Invoice Templates
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-templates-api-openapi.yml
- aid: mercoa:mercoa-invoices-api
name: Mercoa Invoices API
description: The Invoices API from Mercoa — 8 operation(s) for invoices.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Invoices
properties:
- type: OpenAPI
url: openapi/mercoa-invoices-api-openapi.yml
- aid: mercoa:mercoa-ocr-api
name: Mercoa OCR API
description: The OCR API from Mercoa — 3 operation(s) for ocr.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- OCR
properties:
- type: OpenAPI
url: openapi/mercoa-ocr-api-openapi.yml
- aid: mercoa:mercoa-organization-api
name: Mercoa Organization API
description: The Organization API from Mercoa — 1 operation(s) for organization.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Organization
properties:
- type: OpenAPI
url: openapi/mercoa-organization-api-openapi.yml
- aid: mercoa:mercoa-payment-gateway-api
name: Mercoa Payment Gateway API
description: The Payment Gateway API from Mercoa — 2 operation(s) for payment gateway.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Payment Gateway
properties:
- type: OpenAPI
url: openapi/mercoa-payment-gateway-api-openapi.yml
- aid: mercoa:mercoa-payment-methods-api
name: Mercoa Payment Methods API
description: The Payment Methods API from Mercoa — 3 operation(s) for payment methods.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Payment Methods
properties:
- type: OpenAPI
url: openapi/mercoa-payment-methods-api-openapi.yml
- aid: mercoa:mercoa-transactions-api
name: Mercoa Transactions API
description: The Transactions API from Mercoa — 2 operation(s) for transactions.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Transaction
tags_raw:
- Transactions
properties:
- type: OpenAPI
url: openapi/mercoa-transactions-api-openapi.yml
- aid: mercoa:mercoa-api-reference-api
name: Mercoa API Reference API
description: The API Reference API from Mercoa — 0 operation(s) for api reference.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- API Reference
properties:
- type: OpenAPI
url: openapi/mercoa-api-reference-api-openapi.yml
- aid: mercoa:mercoa-bank-lookup-api
name: Mercoa Bank Lookup API
description: The bank-lookup API from Mercoa — 1 operation(s) for bank-lookup.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- BankLookup
tags_raw:
- bank-lookup
properties:
- type: OpenAPI
url: openapi/mercoa-bank-lookup-api-openapi.yml
- aid: mercoa:mercoa-calculate-api
name: Mercoa Calculate API
description: The calculate API from Mercoa — 2 operation(s) for calculate.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Calculate
tags_raw:
- calculate
properties:
- type: OpenAPI
url: openapi/mercoa-calculate-api-openapi.yml
- aid: mercoa:mercoa-custom-payment-method-schema-api
name: Mercoa Custom Payment Method Schema API
description: The custom-payment-method-schema API from Mercoa — 2 operation(s) for custom-payment-method-schema.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- custom-payment-method-schema
properties:
- type: OpenAPI
url: openapi/mercoa-custom-payment-method-schema-api-openapi.yml
- aid: mercoa:mercoa-entity-api
name: Mercoa Entity API
description: The Entity API from Mercoa — 2 operation(s) for entity.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Entity
properties:
- type: OpenAPI
url: openapi/mercoa-entity-api-openapi.yml
- aid: mercoa:mercoa-entity-approval-policy-api
name: Mercoa entity > approval-policy API
description: The entity > approval-policy API from Mercoa — 5 operation(s) for entity > approval-policy.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > approval-policy
properties:
- type: OpenAPI
url: openapi/mercoa-entity-approval-policy-api-openapi.yml
- aid: mercoa:mercoa-entity-bnpl-api
name: Mercoa entity > bnpl API
description: The entity > bnpl API from Mercoa — 1 operation(s) for entity > bnpl.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > bnpl
properties:
- type: OpenAPI
url: openapi/mercoa-entity-bnpl-api-openapi.yml
- aid: mercoa:mercoa-entity-bulk-api
name: Mercoa entity > bulk API
description: The entity > bulk API from Mercoa — 2 operation(s) for entity > bulk.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > bulk
properties:
- type: OpenAPI
url: openapi/mercoa-entity-bulk-api-openapi.yml
- aid: mercoa:mercoa-entity-counterparty-api
name: Mercoa entity > counterparty API
description: The entity > counterparty API from Mercoa — 4 operation(s) for entity > counterparty.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > counterparty
properties:
- type: OpenAPI
url: openapi/mercoa-entity-counterparty-api-openapi.yml
- aid: mercoa:mercoa-entity-counterparty-bulk-api
name: Mercoa entity > counterparty > bulk API
description: The entity > counterparty > bulk API from Mercoa — 2 operation(s) for entity > counterparty > bulk.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > counterparty > bulk
properties:
- type: OpenAPI
url: openapi/mercoa-entity-counterparty-bulk-api-openapi.yml
- aid: mercoa:mercoa-entity-counterparty-vendor-credit-api
name: Mercoa entity > counterparty > vendor-credit API
description: The entity > counterparty > vendor-credit API from Mercoa — 4 operation(s) for entity > counterparty > vendor-credit.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > counterparty > vendor-credit
properties:
- type: OpenAPI
url: openapi/mercoa-entity-counterparty-vendor-credit-api-openapi.yml
- aid: mercoa:mercoa-entity-customization-api
name: Mercoa entity > customization API
description: The entity > customization API from Mercoa — 1 operation(s) for entity > customization.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > customization
properties:
- type: OpenAPI
url: openapi/mercoa-entity-customization-api-openapi.yml
- aid: mercoa:mercoa-entity-document-api
name: Mercoa entity > document API
description: The entity > document API from Mercoa — 3 operation(s) for entity > document.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- EntityDocument
tags_raw:
- entity > document
properties:
- type: OpenAPI
url: openapi/mercoa-entity-document-api-openapi.yml
- aid: mercoa:mercoa-entity-email-log-api
name: Mercoa entity > email-log API
description: The entity > email-log API from Mercoa — 2 operation(s) for entity > email-log.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > email-log
properties:
- type: OpenAPI
url: openapi/mercoa-entity-email-log-api-openapi.yml
- aid: mercoa:mercoa-entity-email-template-api
name: Mercoa entity > email-template API
description: The entity > email-template API from Mercoa — 3 operation(s) for entity > email-template.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > email-template
properties:
- type: OpenAPI
url: openapi/mercoa-entity-email-template-api-openapi.yml
- aid: mercoa:mercoa-entity-external-accounting-system-api
name: Mercoa entity > external-accounting-system API
description: The entity > external-accounting-system API from Mercoa — 4 operation(s) for entity > external-accounting-system.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > external-accounting-system
properties:
- type: OpenAPI
url: openapi/mercoa-entity-external-accounting-system-api-openapi.yml
- aid: mercoa:mercoa-entity-group-api
name: Mercoa Entity Group API
description: The entity-group API from Mercoa — 1 operation(s) for entity-group.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity-group
properties:
- type: OpenAPI
url: openapi/mercoa-entity-group-api-openapi.yml
- aid: mercoa:mercoa-entity-group-counterparty-api
name: Mercoa entity-group > counterparty API
description: The entity-group > counterparty API from Mercoa — 4 operation(s) for entity-group > counterparty.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity-group > counterparty
properties:
- type: OpenAPI
url: openapi/mercoa-entity-group-counterparty-api-openapi.yml
- aid: mercoa:mercoa-entity-group-invoice-api
name: Mercoa entity-group > invoice API
description: The entity-group > invoice API from Mercoa — 3 operation(s) for entity-group > invoice.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity-group > invoice
properties:
- type: OpenAPI
url: openapi/mercoa-entity-group-invoice-api-openapi.yml
- aid: mercoa:mercoa-entity-group-user-api
name: Mercoa entity-group > user API
description: The entity-group > user API from Mercoa — 5 operation(s) for entity-group > user.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity-group > user
properties:
- type: OpenAPI
url: openapi/mercoa-entity-group-user-api-openapi.yml
- aid: mercoa:mercoa-entity-invoice-api
name: Mercoa entity > invoice API
description: The entity > invoice API from Mercoa — 3 operation(s) for entity > invoice.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > invoice
properties:
- type: OpenAPI
url: openapi/mercoa-entity-invoice-api-openapi.yml
- aid: mercoa:mercoa-entity-metadata-api
name: Mercoa entity > metadata API
description: The entity > metadata API from Mercoa — 2 operation(s) for entity > metadata.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > metadata
properties:
- type: OpenAPI
url: openapi/mercoa-entity-metadata-api-openapi.yml
- aid: mercoa:mercoa-entity-notification-policy-api
name: Mercoa entity > notification-policy API
description: The entity > notification-policy API from Mercoa — 2 operation(s) for entity > notification-policy.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > notification-policy
properties:
- type: OpenAPI
url: openapi/mercoa-entity-notification-policy-api-openapi.yml
- aid: mercoa:mercoa-entity-payment-method-api
name: Mercoa entity > payment-method API
description: The entity > payment-method API from Mercoa — 3 operation(s) for entity > payment-method.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > payment-method
properties:
- type: OpenAPI
url: openapi/mercoa-entity-payment-method-api-openapi.yml
- aid: mercoa:mercoa-entity-payment-method-bank-account-api
name: Mercoa entity > payment-method > bank-account API
description: The entity > payment-method > bank-account API from Mercoa — 1 operation(s) for entity > payment-method > bank-account.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > payment-method > bank-account
properties:
- type: OpenAPI
url: openapi/mercoa-entity-payment-method-bank-account-api-openapi.yml
- aid: mercoa:mercoa-entity-payment-method-wallet-api
name: Mercoa entity > payment-method > wallet API
description: The entity > payment-method > wallet API from Mercoa — 3 operation(s) for entity > payment-method > wallet.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > payment-method > wallet
properties:
- type: OpenAPI
url: openapi/mercoa-entity-payment-method-wallet-api-openapi.yml
- aid: mercoa:mercoa-entity-representative-api
name: Mercoa entity > representative API
description: The entity > representative API from Mercoa — 3 operation(s) for entity > representative.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > representative
properties:
- type: OpenAPI
url: openapi/mercoa-entity-representative-api-openapi.yml
- aid: mercoa:mercoa-entity-user-api
name: Mercoa entity > user API
description: The entity > user API from Mercoa — 4 operation(s) for entity > user.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > user
properties:
- type: OpenAPI
url: openapi/mercoa-entity-user-api-openapi.yml
- aid: mercoa:mercoa-entity-user-notification-policy-api
name: Mercoa entity > user > notification-policy API
description: The entity > user > notification-policy API from Mercoa — 2 operation(s) for entity > user > notification-policy.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > user > notification-policy
properties:
- type: OpenAPI
url: openapi/mercoa-entity-user-notification-policy-api-openapi.yml
- aid: mercoa:mercoa-entity-user-notifications-api
name: Mercoa entity > user > notifications API
description: The entity > user > notifications API from Mercoa — 2 operation(s) for entity > user > notifications.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- entity > user > notifications
properties:
- type: OpenAPI
url: openapi/mercoa-entity-user-notifications-api-openapi.yml
- aid: mercoa:mercoa-invoice-bnpl-api
name: Mercoa invoice > bnpl API
description: The invoice > bnpl API from Mercoa — 2 operation(s) for invoice > bnpl.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- invoice > bnpl
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-bnpl-api-openapi.yml
- aid: mercoa:mercoa-invoice-bulk-api
name: Mercoa invoice > bulk API
description: The invoice > bulk API from Mercoa — 1 operation(s) for invoice > bulk.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- invoice > bulk
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-bulk-api-openapi.yml
- aid: mercoa:mercoa-invoice-collection-api
name: Mercoa invoice > collection API
description: The invoice > collection API from Mercoa — 2 operation(s) for invoice > collection.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- invoice > collection
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-collection-api-openapi.yml
- aid: mercoa:mercoa-invoice-comment-api
name: Mercoa invoice > comment API
description: The invoice > comment API from Mercoa — 3 operation(s) for invoice > comment.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- invoice > comment
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-comment-api-openapi.yml
- aid: mercoa:mercoa-invoice-document-api
name: Mercoa invoice > document API
description: The invoice > document API from Mercoa — 7 operation(s) for invoice > document.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Invoice Document
tags_raw:
- invoice > document
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-document-api-openapi.yml
- aid: mercoa:mercoa-invoice-line-item-api
name: Mercoa invoice > line-item API
description: The invoice > line-item API from Mercoa — 1 operation(s) for invoice > line-item.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- InvoiceLineItem
tags_raw:
- invoice > line-item
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-line-item-api-openapi.yml
- aid: mercoa:mercoa-invoice-payment-links-api
name: Mercoa invoice > payment-links API
description: The invoice > payment-links API from Mercoa — 4 operation(s) for invoice > payment-links.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- invoice > payment-links
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-payment-links-api-openapi.yml
- aid: mercoa:mercoa-invoice-template-approval-api
name: Mercoa invoice-template > approval API
description: The invoice-template > approval API from Mercoa — 3 operation(s) for invoice-template > approval.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- invoice-template > approval
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-template-approval-api-openapi.yml
- aid: mercoa:mercoa-invoice-template-document-api
name: Mercoa invoice-template > document API
description: The invoice-template > document API from Mercoa — 6 operation(s) for invoice-template > document.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- invoice-template > document
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-template-document-api-openapi.yml
- aid: mercoa:mercoa-invoice-template-line-item-api
name: Mercoa invoice-template > line-item API
description: The invoice-template > line-item API from Mercoa — 1 operation(s) for invoice-template > line-item.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- invoice-template > line-item
properties:
- type: OpenAPI
url: openapi/mercoa-invoice-template-line-item-api-openapi.yml
- aid: mercoa:mercoa-organization-notification-configuration-api
name: Mercoa organization > notification-configuration API
description: The organization > notification-configuration API from Mercoa — 2 operation(s) for organization > notification-configuration.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- organization > notification-configuration
properties:
- type: OpenAPI
url: openapi/mercoa-organization-notification-configuration-api-openapi.yml
- aid: mercoa:mercoa-payment-gateway-process-api
name: Mercoa payment-gateway > process API
description: The payment-gateway > process API from Mercoa — 2 operation(s) for payment-gateway > process.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- payment-gateway > process
properties:
- type: OpenAPI
url: openapi/mercoa-payment-gateway-process-api-openapi.yml
- aid: mercoa:mercoa-payment-gateway-validate-api
name: Mercoa payment-gateway > validate API
description: The payment-gateway > validate API from Mercoa — 2 operation(s) for payment-gateway > validate.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- payment-gateway > validate
properties:
- type: OpenAPI
url: openapi/mercoa-payment-gateway-validate-api-openapi.yml
- aid: mercoa:mercoa-transaction-api
name: Mercoa Transaction API
description: The Transaction API from Mercoa — 1 operation(s) for transaction.
humanURL: https://docs.mercoa.com/
baseURL: https://api.mercoa.com
tags:
- Transaction
properties:
- type: OpenAPI
url: openapi/mercoa-transaction-api-openapi.yml
common:
- type: Plans
url: plans/mercoa-plans-pricing.yml
- type: RateLimits
url: rate-limits/mercoa-rate-limits.yml
- type: FinOps
url: finops/mercoa-finops.yml
- type: CapabilityMap
url: capabilities/mercoa-capability-edges.yml
name: Mercoa Business Capability Map
- type: AgenticAccess
url: agentic-access/mercoa-agentic-access.yml
- type: DomainSecurity
url: security/mercoa-domain-security.yml
- type: Authentication
url: authentication/mercoa-authentication.yml
- 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: LlmsText
url: https://docs.mercoa.com/llms.txt
- url: https://mercoa.com/blog
type: Blog
maintainers:
- FN: Kin Lane
email: kin@apievangelist.com
Mercoa API — frequently asked questions
Does Mercoa have an API?
Yes. APIs.io lists 54 APIs from Mercoa, including Mercoa API, Mercoa Entities API and Mercoa Entity Groups API, and 51 more.
Is there an OpenAPI specification for the Mercoa API?
Yes. APIs.io indexes 53 OpenAPI specifications for Mercoa, each linked for download from this page.
How do I authenticate with the Mercoa API?
Mercoa uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Mercoa Authentication.
How much does the Mercoa API cost?
APIs.io lists 1 pricing plan for Mercoa, with each plan's price, limits and inclusions under Pricing on this page.
Does Mercoa have an MCP server?
Yes. APIs.io lists 1 MCP server for Mercoa: Remote MCP server at docs.mercoa.com over HTTP.
Is the Mercoa API ready for AI agents?
Mercoa has a Kin Score of 33.7 out of 100 (thin) and an Agent Readiness score of 31.6 (agent-ready), scored by API Evangelist on 2026-11-13.
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