How it Works

Validate Card Acceptance

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How Mercoa determines if an invoice can be paid by card

The Virtual Card Agent uses several methods to determine if a vendor accepts card payments:

1. Payment Link Analysis: The agent visits payment links on invoices and analyzes whether cards are accepted as a payment method.

2. Online Portal Search: If no card payment link is found, the agent searches the vendor’s website to see if they accept cards through their online portal.

3. Phone Verification: The agent can call vendors directly to verify card acceptance (Future state).

How Mercoa determines fees

• The agent extracts fee information from payment pages and vendor portals
• Sometimes payment pages indicate fees that don’t actually exist
• We always bias toward being conservative if the agent is not 100% certain
• If we cannot definitively determine card acceptance, we return false

Process Card Payment

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Payment Execution Process

1. Card Information: You pass virtual card information to Mercoa using either:

   • A secure iFrame (recommended)
   • Raw card details

2. Portal Navigation: The agent navigates to the vendor’s payment portal and enters the card information.

3. Payment Confirmation: The agent captures the payment receipt for confirmation and reconciliation.

Security Considerations

• All card information is handled securely through encrypted channels
• Virtual cards are recommended for enhanced security
• One-time-use cards with exact amounts are preferred for reconciliation