Mercoa
YC W23San Francisco, US · Founded 2022 · 2 employees · Hiring · 2 known investors
Mercoa provides B2B payment solutions, specifically AI-powered billing and invoicing tools, for SaaS platforms to embed into their product for their end customers. The platform offers both backend and frontend SDKs to help vertical SaaS companies launch branded payment experiences and unlock new revenue streams from payments monetization.
Also known as Dinora
Founders & leadership· Y Combinator alumni (W23)
Mercoa was founded in 2022 by Sai Arora and Sandeep Dinesh.
SA
SD
Sandeep Dineshin𝕏Co-Founder2022–2025Sandeep Dinesh previously held engineering and developer advocacy roles at Stripe, Google Cloud, and Furmacy (a YC W21 company), where he served as lead and senior software engineer. He is now building Mercoa.
Investors · 2
The YC application· Winter 2023 batch
Alumni Q&A
- What's the history of your company from getting started until the present day? What were the big inflection points?
- The founders spent 2023 building the core product alongside a small set of initial customers. In 2024 they focused on their go-to-market efforts and report growth of 20% month-over-month.
Summarized from the founders' answers on their Y Combinator profile.
Competitors · 10
by search overlap
Intuit®5 shared keywordsIntuit develops financial software products—including TurboTax, Credit Karma, QuickBooks, and Mailchimp—for consumers and small businesses to manage taxes, credit, accounting, and marketing. It serves approximately 100 million customers worldwide.
Plaid5 shared keywordsPlaid provides financial infrastructure and APIs that enable developers to build financial technology products and services. The platform serves fintech companies, developers, and financial institutions by offering consumer-facing applications and backend tools for financial data connectivity.
Marqeta5 shared keywordsMarqeta provides just-in-time funding technology that enables card issuers and fintech platforms to control transaction authorization and fraud management in real time. The platform allows customers to define spending rules and approval logic for prepaid and commercial cards.
Fresh Books4 shared keywordsFreshBooks is a cloud-based accounting and invoicing platform designed for small service-based businesses. The software helps business owners manage invoicing, accounting, and financial connections with customers.
Bill.com Holdings, Inc.4 shared keywordsBILL is a unified financial operations platform that automates accounts payable, receivables, and spend management for businesses. The platform processes over $345 billion in annual payment volume and serves nearly 500,000 customers across the US and 130+ countries.
Atlar4 shared keywordsAtlar provides a real-time treasury and cash flow management platform for finance teams in Europe and beyond, connecting disparate banking and financial systems and replacing manual spreadsheet-based workflows. The platform enables faster financial operations and improved visibility across payments and cash management.
Zendesk4 shared keywordsThis is Zendesk's internal belonging/diversity and inclusion program page, not a company profile page for an external company. It describes Zendesk's internal culture initiatives and leadership development programs.
Visa® Spend Clarity for Enterprise4 shared keywordsVisa operates a global payments network enabling digital and card-based transactions for consumers and businesses across multiple sectors and geographies.
Procurify3 shared keywordsProcurify is a procurement platform that gives finance and operations teams spend visibility and control across the intake-to-pay process, covering purchase requests, approvals, POs, invoicing, payments, and spending cards. It serves growing mid-market organizations in industries such as healthcare, education, biotechnology, manufacturing, and non-profit, and integrates with ERPs including NetSuite, QuickBooks, and Sage Intacct.
Airwallex3 shared keywordsAirwallex operates a global banking platform that provides cross-border payments, financial infrastructure, and AI-powered financial software for businesses. The platform serves companies across 200+ countries, enabling automated financial operations, expense management, and billing for global enterprises and AI-native businesses.
Companies competing with Mercoa for the same Google search keywords, organic and paid, via search-intersection analysis.
In the news
Frequently asked questions
- What does Mercoa do?
- Mercoa provides B2B payment solutions, specifically AI-powered billing and invoicing tools, for SaaS platforms to embed into their product for their end customers. The platform offers both backend and frontend SDKs to help vertical SaaS companies launch branded payment experiences and unlock new revenue streams from payments monetization.
- Who founded Mercoa?
- Mercoa was founded by Sai Arora, Sandeep Dinesh in 2022.
- Who are Mercoa's investors?
- Mercoa's investors include Dunbar Capital, Y Combinator.
- Where is Mercoa headquartered?
- Mercoa is headquartered in San Francisco, US.