LinkedIn · Aug 2025
Sai Arora post announcing CardPay and describing Mercoa’s shift from Bill Pay infrastructure toward automating vendor enablement for virtual card payouts.
AI Agent for Billpay platforms to pay invoices with virtual cards
Company research
Public company, workplace, funding, and market signals
Updated Jul 29, 2026
Overview
Mercoa is a San Francisco-based YC W23 startup building an embedded B2B payments and BillPay platform for SaaS, fintech, and vertical software companies. Its core product lets customers launch white-labeled AP/AR workflows, invoice OCR, vendor management, approval flows, and payment orchestration, and it has more recently pushed toward an AI-driven CardPay agent for converting card-eligible bills into virtual card payments.
Primary product
Embedded B2B payments and BillPay API for SaaS/fintech platforms, including AI-powered AP/AR and CardPay automation
Founded
2022
Headquarters
53 Wilder Street, San Francisco, CA 94131, United States
Team size
1-10
Work style
Onsite
Industry
Embedded Software Products
Sub-industry
Open Positions
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