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 9 APIs on the APIs.io network, including Entities API, Entity Groups API, Invoice Templates API, and 6 more. Tagged areas include Mercoa, Embedded Finance, Accounts Payable, Accounts Receivable, and Bill Pay.

Mercoa’s developer surface includes authentication, documentation, signup flow, engineering blog, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

35.4/100 thin ▬ flat Agent 20/100 agent aware Full breakdown ↓
scored 2026-08-25 · rubric v0.14.0

AccessFreeSelf serve⚡ Free to try

10 APIs

MercoaEmbedded Finance Accounts Payable Accounts Receivable Bill Pay Invoicing Payments Vertical SaaS Vendors Approvals Disbursements Virtual Cards

Kin Score

Kin Score How this is scored →
scored 2026-08-25 · rubric v0.14.0

Composite quality — 35.4/100 · thin

Contract Quality 10.8 / 21

Developer Ergonomics 4.0 / 17

Access Clarity 7.2 / 17

Operational Transparency 2.9 / 11

Contract Governance 0.0 / 10

Discoverability 6.9 / 9

Regulatory Posture 2.8 / 15

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Surface 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/mercoa: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Rate Limits 1

Documented rate limits and quota policies.

Mercoa Rate Limits

2 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Get Started 1

Portal, sign-up, and the first successful call

Signup

Signup

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

SourceCode

SourceCode

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Company 2

The organization behind the API

Website

Website

Blog

Blog

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
accessModel:
  pricing: free
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  label: Free · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  generated: '2026-07-22'
  method: derived
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mercoa.png
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
  - 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
common:
- 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

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