Mercoa API

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: SDK
  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.