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Mercoa Overview

About Mercoa

Mercoa is an embedded financial automation platform. With Mercoa, any B2B platform can 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, AI agents, 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:

AccountDescription
C1The 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.
C2The 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.
C3The counterparty of a C2. A C3 is an entity that either sends invoices to or receives invoices 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.

AI Agents

Mercoa can also augment your platform’s payments experience with our integrated AI agent functionality. Our AI agents plugs directly into the rest of Mercoa’s infrastructure, allowing you to build custom AI workflows that can:

  • Read and understand complex B2B contracts
  • Contact customers to collect overdue payments
  • Contact vendors to send upcoming invoices on time
  • Edit invoices and billing schedules with natural language
  • More coming soon!

Check out our demo and documentation for MAi, our Invoicing Agent for accounts receivable!

API Object Model

Mercoa’s API is based around CRUD operations organized around a set of objects that represent the data in Mercoa. Here is a simplified diagram of the object model: