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.
1 APIs 0 Features
MercoaEmbedded FinanceAccounts PayableAccounts ReceivableBillPayInvoicingPaymentsVertical SaaSVendorsApprovalsDisbursementsVirtual Cards
Sources

opencollection: 1.0.0
info:
  name: Mercoa API
  version: '1.0'
request:
  auth:
    type: bearer
    token: '{{bearerToken}}'
items:
- info:
    name: Entity Groups
    type: folder
  items:
  - info:
      name: List entity groups
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/entityGroups
    docs: List entity groups
  - info:
      name: Create entity group
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entityGroup
    docs: Create entity group
  - info:
      name: Get entity group
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/entityGroup/:entityGroupId
      params:
      - name: entityGroupId
        value: ''
        type: path
    docs: Get entity group
  - info:
      name: Update entity group
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entityGroup/:entityGroupId
      params:
      - name: entityGroupId
        value: ''
        type: path
    docs: Update entity group
  - info:
      name: Delete entity group
      type: http
    http:
      method: DELETE
      url: https://api.mercoa.com/entityGroup/:entityGroupId
      params:
      - name: entityGroupId
        value: ''
        type: path
    docs: Delete entity group
  - info:
      name: Generate entity group token
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entityGroup/:entityGroupId/token
      params:
      - name: entityGroupId
        value: ''
        type: path
    docs: Generate entity group token
  - info:
      name: Add entities to group
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entityGroup/:entityGroupId/addEntities
      params:
      - name: entityGroupId
        value: ''
        type: path
    docs: Add entities to group
- info:
    name: Entities
    type: folder
  items:
  - info:
      name: List entities
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/entity
    docs: List entities
  - info:
      name: Create entity
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entity
    docs: Create entity
  - info:
      name: Get entity
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/entity/:entityId
      params:
      - name: entityId
        value: ''
        type: path
    docs: Get entity
  - info:
      name: Update entity
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entity/:entityId
      params:
      - name: entityId
        value: ''
        type: path
    docs: Update entity
  - info:
      name: Delete entity
      type: http
    http:
      method: DELETE
      url: https://api.mercoa.com/entity/:entityId
      params:
      - name: entityId
        value: ''
        type: path
    docs: Delete entity
  - info:
      name: Accept Mercoa TOS for entity
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entity/:entityId/accept-tos
      params:
      - name: entityId
        value: ''
        type: path
    docs: Accept Mercoa TOS for entity
  - info:
      name: Request KYB verification
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entity/:entityId/request-kyb
      params:
      - name: entityId
        value: ''
        type: path
    docs: Request KYB verification
  - info:
      name: Generate entity token
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entity/:entityId/token
      params:
      - name: entityId
        value: ''
        type: path
    docs: Generate entity token
  - info:
      name: List payee counterparties
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/entity/:entityId/counterparties/payees
      params:
      - name: entityId
        value: ''
        type: path
    docs: List payee counterparties
  - info:
      name: List payor counterparties
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/entity/:entityId/counterparties/payors
      params:
      - name: entityId
        value: ''
        type: path
    docs: List payor counterparties
- info:
    name: Payment Methods
    type: folder
  items:
  - info:
      name: List payment methods for entity
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/entity/:entityId/paymentMethods
      params:
      - name: entityId
        value: ''
        type: path
    docs: List payment methods for entity
  - info:
      name: Create payment method
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/entity/:entityId/paymentMethod
      params:
      - name: entityId
        value: ''
        type: path
    docs: Create payment method
  - info:
      name: Get payment method
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/entity/:entityId/paymentMethod/:paymentMethodId
      params:
      - name: entityId
        value: ''
        type: path
      - name: paymentMethodId
        value: ''
        type: path
    docs: Get payment method
  - info:
      name: Update payment method
      type: http
    http:
      method: PUT
      url: https://api.mercoa.com/entity/:entityId/paymentMethod/:paymentMethodId
      params:
      - name: entityId
        value: ''
        type: path
      - name: paymentMethodId
        value: ''
        type: path
    docs: Update payment method
  - info:
      name: Delete payment method
      type: http
    http:
      method: DELETE
      url: https://api.mercoa.com/entity/:entityId/paymentMethod/:paymentMethodId
      params:
      - name: entityId
        value: ''
        type: path
      - name: paymentMethodId
        value: ''
        type: path
    docs: Delete payment method
- info:
    name: Invoices
    type: folder
  items:
  - info:
      name: List invoices across the organization
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/invoices
    docs: List invoices across the organization
  - info:
      name: Bulk create invoices
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoices
    docs: Bulk create invoices
  - info:
      name: Bulk update invoices
      type: http
    http:
      method: PUT
      url: https://api.mercoa.com/invoices
    docs: Bulk update invoices
  - info:
      name: Bulk approve invoices
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoices/approve
    docs: Bulk approve invoices
  - info:
      name: Create invoice
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoice
    docs: Create invoice
  - info:
      name: Get invoice
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/invoice/:invoiceId
      params:
      - name: invoiceId
        value: ''
        type: path
    docs: Get invoice
  - info:
      name: Update invoice
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoice/:invoiceId
      params:
      - name: invoiceId
        value: ''
        type: path
    docs: Update invoice
  - info:
      name: Delete invoice
      type: http
    http:
      method: DELETE
      url: https://api.mercoa.com/invoice/:invoiceId
      params:
      - name: invoiceId
        value: ''
        type: path
    docs: Delete invoice
  - info:
      name: List invoice events
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/invoice/:invoiceId/events
      params:
      - name: invoiceId
        value: ''
        type: path
    docs: List invoice events
  - info:
      name: Add approver to invoice
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoice/:invoiceId/add-approver
      params:
      - name: invoiceId
        value: ''
        type: path
    docs: Add approver to invoice
  - info:
      name: Approve invoice
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoice/:invoiceId/approve
      params:
      - name: invoiceId
        value: ''
        type: path
    docs: Approve invoice
  - info:
      name: Reject invoice
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoice/:invoiceId/reject
      params:
      - name: invoiceId
        value: ''
        type: path
    docs: Reject invoice
- info:
    name: Invoice Templates
    type: folder
  items:
  - info:
      name: List invoice templates
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/invoice-templates
    docs: List invoice templates
  - info:
      name: Create invoice template
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoice-template
    docs: Create invoice template
  - info:
      name: Get invoice template
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/invoice-template/:invoiceTemplateId
      params:
      - name: invoiceTemplateId
        value: ''
        type: path
    docs: Get invoice template
  - info:
      name: Update invoice template
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/invoice-template/:invoiceTemplateId
      params:
      - name: invoiceTemplateId
        value: ''
        type: path
    docs: Update invoice template
  - info:
      name: Delete invoice template
      type: http
    http:
      method: DELETE
      url: https://api.mercoa.com/invoice-template/:invoiceTemplateId
      params:
      - name: invoiceTemplateId
        value: ''
        type: path
    docs: Delete invoice template
- info:
    name: Transactions
    type: folder
  items:
  - info:
      name: List transactions
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/transactions
    docs: List transactions
  - info:
      name: Get transaction
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/transaction/:transactionId
      params:
      - name: transactionId
        value: ''
        type: path
    docs: Get transaction
- info:
    name: Organization
    type: folder
  items:
  - info:
      name: Get organization
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/organization
    docs: Get organization
  - info:
      name: Update organization
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/organization
    docs: Update organization
- info:
    name: OCR
    type: folder
  items:
  - info:
      name: Synchronously OCR an invoice document
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/ocr
    docs: Synchronously OCR an invoice document
  - info:
      name: Submit OCR job
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/ocr-async
    docs: Submit OCR job
  - info:
      name: Get OCR job
      type: http
    http:
      method: GET
      url: https://api.mercoa.com/ocr-async/:jobId
      params:
      - name: jobId
        value: ''
        type: path
    docs: Get OCR job
- info:
    name: Payment Gateway
    type: folder
  items:
  - info:
      name: Process payment via gateway
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/payment-gateway/process
    docs: Process payment via gateway
  - info:
      name: Validate payment via gateway
      type: http
    http:
      method: POST
      url: https://api.mercoa.com/payment-gateway/validate
    docs: Validate payment via gateway
bundled: true
Mercoa

APIs

Mercoa API

Collections

Mercoa API

Pricing Plans

Mercoa Plans Pricing

Rate Limits

Mercoa Rate Limits

FinOps

Mercoa Finops

Resources

Sources
