Embedded AI
Invoicing & Bill Pay for

Vertical SaaS

Fintech SaaS

Banks & Neobanks

Payment providers

The fastest way to launch robust AR/AP with accounting integrations & payments. Modular API & SDK. Two-week go-live. All white-labeled.

Get demo

Backed by
Execs from

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Unlock new revenue streams by embedding
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Clients

Used by dozens of platforms worldwide

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  • Powerful Invoicing
    for Mollie’s users

    Mollie is becoming a full Revenue Management platform for SMBs. They cover checkout and POS, but for many merchants a large part of revenue is via active invoicing

    Mollie built invoicing on Monite API in just 6 weeks. It allows SMBs to send professional quotes & invoices and collect revenue via payment links. The solution is on par with top invoicing providers & is available across Europe.

  • Mobile Invoicing
    for creators in Mecena

    Mecena, a European neobank for creators, powers up Invoicing for their users via Monite. Launched in just 5 weeks of time, invoicing feature allowed Mecena to earn over 3x per user using invoicing feature – leveraging additional SaaS & payment fees.

    Hugo, the CEO of Mecena mentions:
“Monite’s infrastructure let Mecena monetize payments, creating a new revenue stream and cutting our customer payback period in half”.

    Learn more
  • Processing payables
    for Enty’s users

    Enty, an accounting & incorporation provider for SMBs, uses Monite to provide invoicing and accounts payable solution to their clients.

    Jane Shmygaleva, CPO at Enty said:
“We chose Monite due to their product depth, quality of APIs, and fast development. Working with Monite has been a breeze – a robust API platform, knowledgeable team, and quick support at all times”

SMBs struggle with revenue
collection and spending control

Know your clients’ pains

  • 87% of SMEs are consistently paid late

    Disrupting cash flow and limiting opportunities to reinvest revenue.

  • 48% of SMEs lose or miss invoices constantly

    Directly resulting in loss of revenue.

  • 3.6 h/week wasted on manual reconciliation

    Leading to unnecessary costs and potential inaccuracies due to human error.

  • 54% of SMEs pay their bills late regularly

    Due to inconsistent invoice formats and chasing approvals.

  • $15 average cost per processed invoice

    Increasing operational expenses and reducing profits.

  • 82% of SMEs miss early payment discounts

    Resulting in lower margins and hurting the company’s bottom line.

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Bottomline impact

Earn more per client & boost retention

Offer AR, AP, and accounting integrations that help your clients with better
payments, cost management, and client-supplier relations.

Grow revenue per user 2–5x

  • Earn an additional $10-200

    per user/mo in SaaS fees

  • Expand your revenue and TAM

    with payments, earning 0.1-2% on each transaction made on your platform

  • Get commissions

    on financial services: BNPL, factoring and more

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Attract more users

  • Win over customers

    from competitors without new marketing expenses. Create a network effect with an all-in-one offering

  • Set your brand apart

    Expand your offering to become the go-to player for your industry

  • Upsell your current users

    so you can invest more into growth

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Increase product stickiness

  • Become a one-stop-shop for SMBs

    Offer valuable services that make it much harder to switch to a competitor

  • Increase WAU/MAU

    by rolling out new functionality daily

  • Get more users on your platform

    — expand your reach to new teams at your SMB clients

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Features

Offer features that match
top industry players

Invoicing &
e-invoicing

Products & services catalog
Quotes & project management
Professional invoices & templates
E-invoicing connectivity (peppol)
Automated payment reminders & dunning
One-click payments & auto-reconciliation
2-way acccounting sync with QBO, Xero & more
Full compliance for 35+ GEOs
Invoicing & <br/>e-invoicing

Bill Pay /
AP automation

Collect bills via email or e-invoicing
AI-OCR invoice processing & automation
2/3-way match, full PO support
AI-categorization — tags, cost centers, GL codes
Approval workflows with custom logic & AI
Single & bulk payments – ACH, SEPA & more
Real-time tracking, no more “Did we pay that?”
2-way acccounting sync with QBO, Xero & more
Bill Pay /  <br> AP automation

Integrated payments

Your clients want a directly integrated payment solution in their AP/AR process. Offer an Invoicing and Bill Pay solution with integrated payments and make money on every payment processed.

Payment links
Bill pay
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Launch AP/AR in days
using Monite API

Offer robust finance management to clients in days instead of building it for 2 years and over €1mn+ in development costs

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REST API

Seamlessly launch AP, AR, and B2B payments in your product with our modular API, taking full control of user experience and workflows.

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React SDK

Utilize ready-to-use UX blocks that natively integrate Monite’s business logic into your UI, with the flexibility to control branding and user experience.

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iFrame

Fastest time to market – drop in a pre-built iFrame, get the usage going fast – go live in less than an hour. Transition to a full custom frontend anytime without re-integration.

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Resources

Our Solutions for B2B Growth

For Founders and Product Leaders

Understand the key pains SMEs have in Accounts Payable (AP) area and how you can solve it for them by adding AP functionality inside your platform.

Read the guide
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For B2B platforms

Gain insights in the significant challenges SMEs face with getting paid. Explore their current solutions and how you can solve their problems incorporating AR functionality within your platform.

Read the guide
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High priority for
your roadmap

Become a one-stop-shop before
your competitors do

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