In accounts receivable (AR), C3s are the payer entities that want to pay the invoices your customers send them through Mercoa. They can be individuals or businesses.

In Mercoa, you’ll need to create a payer for each payer that your customers will be sending invoices to through your platform.

Creating Payers

Payers can be created in the dashboard or with the create entity endpoint, and linked to a customer using the link payors endpoint.

They will also automatically be created and linked when one of your customers adds a new invoice recipient through the React component or embed.

Creating the Payer Entity

Using the create entity endpoint, create a new entity, and make sure the following fields are set:

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{
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  isPayee: false // This marks the entity as unable to receive funds
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  isPayor: true // This marks the entity able to pay funds
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  isCustomer: false // This indicated that you don't have a direct relationship with this entity (aka, they are your customer's vendor)
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}

This will automatically add the vendor to the platform network.

Capturing Payer Details

Payer details are captured automatically during the accounts receivable flow using the React components. The C2 must define who the customer they are sending an invoice to is when they create and send an invoice, and the customer-facing payment portal captures the remaining payer information needed to process the transaction.

Adding the Payer to the Vendor as a Counterparty

If the C3 payer entity is created manually, you must manually link it to the vendor via API.

You can link the payer to any entity using the link payors endpoint. This will create a relationship between the two entities, and allow the vendor to send invoices to the payer.

For example, if you have a vendor Entity with id ent_8545a84e-a45f-41bf-bdf1-33b42a55812c, and a payer Entity with id ent_21661ac1-a2a8-4465-a6c0-64474ba8181d, you can link them using the following request:

Finding Counterparties

Once you have created and linked payers to the vendor, you can use the get counterparties endpoint to find the payers linked to the vendor.

Hiding / Archiving Counterparties

If you don’t want a counterparty to show up for an Entity in the counterparty search, you can hide them using the hide payor from search endpoint.