Mercoa Overview

About Mercoa

Mercoa is an embedded financial automation platform. With Mercoa, any B2B platform can easily embed, offer, and monetize AP and AR automation for their users. Our full-service automation solutions allow you to launch invoice processing, approval workflows & automations, payment scheduling, billpay, working capital, email notifications and much more.

Account Structure

Mercoa’s account structure is designed to support complex B2B platforms with multiple customers and vendors. We use the following terminology to describe our account structure:

Account	Description
C1	The platform/product team that embeds Mercoa (whether via our embed, React components, or API) within their product. If you are reading this, you are probably a C1.
C2	The customer of a C1. A C2 is an entity that uses the C1’s product and has access to Mercoa via the C1’s product.
C3	The counterparty of a C2. A C3 is an entity that either send invoices to a C2 or receives payments from a C2.

Accounts Payable vs. Accounts Receivable

In Mercoa’s accounts payable experience, the C2 is the payer and the C3 is the vendor.

In Mercoa’s accounts receivable experience, the C2 is the vendor and the C3 is the payer.