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Mercoa, Inc.

Embedded B2B payments and BillPay API platform for vertical SaaS, offering BillPay, invoicing, and payouts with React components, hosted iFrame, and REST APIs/SDKs.

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About Mercoa, Inc.

Mercoa helps AP and Spend management platforms drive more virtual card volume from their BillPay customers. Our agent identifies card-eligible invoices and securely pays them through supplier portals or payment links.

Industries served

Products

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    Embedded BillPay, invoicing, and payouts API for vertical SaaS platforms with React components, hosted iFrame, and REST APIs/SDKs in TypeScript, Python, and Java.

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    AI agent that detects card-eligible invoices and pays them using customer-issued virtual cards.

  • Accounts Payable Solution

    AP, AR & Expenses

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    Embedded BillPay API offering email inbox for invoice ingestion, AI-powered OCR, approval workflows, vendor management, and premium payment methods including ACH, checks, virtua...

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    Embedded invoicing API enabling SaaS customers to accept payments via invoices, payment links, and branded portals, with automated collections powered by AI agents.

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    White-labeled AP/AR automation solution with email inbox, AI-powered OCR, approval workflows, vendor management, and developer SDKs, designed to embed directly into SaaS platforms.

Security and compliance

As reported by Mercoa, Inc.. Ask for audit reports before you buy.

  • PCI DSSCompliant
  • Encryption in transit (HTTPS, RSA 2048-bit, SHA256 with RSA)
  • Encryption at rest (AES-256)
  • Full credit card numbers and banking credentials never stored (tokenized via Moov)
  • Card numbers encrypted in transfer and not stored on servers or databases

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