# Mercoa

**Canonical:** https://apis.io/providers/mercoa/  
**Website:** https://mercoa.com/  
**APIs profiled:** 10

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.

## Kin Score — 35.4 / 100 (thin)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 35.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 51.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 42.1 |
| Access Clarity | 42.1 |

Regulatory layer — **Payments**: 18.8 (matched via tags).

## Agent readiness — 19.8 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Free · Self-serve signup — onboarding: self-serve, pricing: free, trial: no (confidence: high).

## APIs (10)

- **Mercoa API** — 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...
- **Mercoa Entities API** — The Entities API from Mercoa — 7 operation(s) for entities.
- **Mercoa Entity Groups API** — The Entity Groups API from Mercoa — 5 operation(s) for entity groups.
- **Mercoa Invoice Templates API** — The Invoice Templates API from Mercoa — 3 operation(s) for invoice templates.
- **Mercoa Invoices API** — The Invoices API from Mercoa — 8 operation(s) for invoices.
- **Mercoa OCR API** — The OCR API from Mercoa — 3 operation(s) for ocr.
- **Mercoa Organization API** — The Organization API from Mercoa — 1 operation(s) for organization.
- **Mercoa Payment Gateway API** — The Payment Gateway API from Mercoa — 2 operation(s) for payment gateway.
- **Mercoa Payment Methods API** — The Payment Methods API from Mercoa — 3 operation(s) for payment methods.
- **Mercoa Transactions API** — The Transactions API from Mercoa — 2 operation(s) for transactions.

## Agentic access (1)

- **Mercoa Agentic Access** — 48 operations · 31 acting

## Security (2)

- **Mercoa Authentication** — http · 1 scheme
- **Mercoa Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Mercoa Plans Pricing**

## Tags

Mercoa, Embedded Finance, Accounts Payable, Accounts Receivable, Bill Pay, Invoicing, Payments, Vertical SaaS, Vendors, Approvals, Disbursements, Virtual Cards

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/mercoa/). Scores are computed from the provider's own public artifacts under a published rubric.