Mercoa
ActiveAI Agent for Billpay platforms to pay invoices with virtual cards
About
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.
From their website
mercoa.com ↗Mercoa provides embedded B2B payments, BillPay, invoicing, and payout APIs tailored for SaaS platforms. It enables AI-powered AP/AR workflows with branded payment experiences that integrate into existing products.
Mercoa offers an embedded BillPay and invoicing API suite for SaaS customers, including AI-driven AR and AP capabilities, vendor onboarding, intelligent payment scheduling, AI auto-categorization, and customizable workflows. It provides multiple integration options (React components, hosted iFrame, REST APIs and SDKs in TypeScript, Python, and Java) to embed payments, invoicing, and payouts with branding, automated reminders, late-fee logic, and resubmission workflows. Go-live can be achieved rapidly (3 weeks) with front-end components or a pre-made hosted experience, all designed to fit into existing SaaS platforms.
Who it’s for: Vertical SaaS platforms and other B2B software providers seeking embedded bill pay, invoicing, and payout capabilities.
- embedded BillPay and invoicing API
- AI-driven AP/AR workflows
- vendor onboarding and payment detail collection
- AI auto-categorization of line items and accounts
- intelligent payment scheduling suggestions
- branded invoices and payment links
- pre-made hosted experience or fully customizable UI components
Hiring/traction mentions in product capabilities and multiple integration options; active documentation and demos; 2026 copyright notice implies ongoing operation.
Founders · 2
Founder at Mercoa (W23) Prev: Senior Software Engineer @ Stripe Lead Software Engineer @ Furmacy (YC W21) Senior Developer Advocate @ Google Cloud
Launch
Offer B2B BillPay & AP to your customers and monetize payments out.
Mercoa provides a white-labeled, embedded BillPay and Accounts Payable experience for B2B fintechs via a drop-in iframe or API, enabling their customers to manage and pay invoices and bills and offering premium payment options. The product monetizes by sharing revenue from premium payment features with the partner.
From the original launch (Feb 2023) — may be outdated.
Formerly “Dinora”
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Billing Automation for B2B that actually works.
