# Mesa

**Canonical:** https://apis.io/providers/mesa/  
**Website:** https://www.joinmesa.com  
**APIs profiled:** 2

Mesa is a Boulder, Colorado fintech that provides embedded electronic-invoicing, payments, and invoice-financing (early-payment) infrastructure for B2B supplier networks. Suppliers get paid early via ACH while Mesa automates repayment once the buyer settles. Mesa ships as drop-in embedded UI — a JavaScript SDK (MesaClient) that renders Mesa's onboarding, dashboard, and instant-payout flows in an origin-pinned iframe inside a partner's web app — backed by a Partner REST API for user authentication and invoice retrieval. Auth is via API keys (clientId/clientSecret) exchanged for a short-lived JWT, with optional OIDC (Okta, Azure AD, Google). Backed by Matrix Partners; SOC 2.

## Kin Score — 27.9 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 27.9).

| Facet | Score |
|---|---|
| Discoverability | 70.4 |
| Contract Quality | 57.7 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 18.5 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 26.6 (matched via tags).

## Agent readiness — 25.0 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (2)

- **Mesa Authentication API** — Exchange API keys for a session token.
- **Mesa Invoices API** — Retrieve invoices for the authenticated user.

## MCP servers (1)

- **Mesa MCP Server**

## Security (3)

- **Mesa Authentication** — apiKey/http/openIdConnect · 3 schemes
- **Mesa Domain Security** — TLSv1.3 · DMARC
- **Mesa Trust Center** — SOC 2

## Tags

Company, Fintech, Payments, Invoice Financing, Embedded Finance, Early Payment, ACH, Supplier Payments, B2B

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