Unlock new revenue streams by embedding
Offer invoicing, bill pay, B2B payments and cash flow analytics to your business clients. Customize using API building blocks. Go live with 2 developers in 4 weeks.
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Trusted by many B2B platforms
Earn 2-5x more per user
It takes up to 2 years and $3-5 million to automate finance in-house. Go live with 2 developers in 4 weeks.

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 with on your platform
Get commissions on financial services: BNPL, factoring and more

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 onto your platform — reach new teams at your SMB clients

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
Works best for
-
NeoBanks
-
Vertical SaaS
-
FinTech SaaS
-
Marketplaces
Embeddable workflows
Features that match
top industry players
Invoicing & getting
paid fast
90% of SMBs struggle to get paid on time, chasing invoice payments for up to 30 days on average.
Monite lets your customers:
- Add clients & products
- Send quotes
- Send invoices
- Get paid via link
- Overview invoices & statuses
- Send payment reminders
- See revenue analytics
- Integrate with 40+ accounting platforms

Pay bills & expenses
It usually costs €6.5-15 for SMBs to process a single invoice. Many use Excel and email to handle payables tasks, leading to debts, double payments, audit issues and overspending.
Monite lets your customers:
- Collect bills via email
- Get overviews payables & obligations
- Build & customize approval flows
- Add comments & to-dos for their team
- Approve bills in one click
- Perform single and bulk payments
- Analyze spending and debt analytics
- Integrate with 40+ accounting providers

Embeddable B2B payments
Someone else earns from your clients’
payments. Take this revenue back.
63% of SMBs struggle with payments. They enter payments manually and use multiple platforms
for banking, FX, cards, etc. 90% would prefer a single solution for all payments
- Payment links
- Bill pay





- Your customer emails an invoice with a payment link attached
- Their client pays it in one click by card, bank transfer, or other popular methods
- Invoices with payment links get paid 40% faster, so your clients don’t need to chase payments. Monite does this for them
- Your customer gets notified when the invoice is paid, and reconciliation is automated
- You earn up to 0.5% on every invoice payment. Markups for each payment method are adjustable

01
Your customer emails an invoice with a payment link attached

02
Their client pays it in one click by card, bank transfer, or other popular methods.

03
Invoices with payment links get paid 40% faster, so your clients don’t need to chase payments. Monite does this for them.

04
Your customer gets notified when the invoice is paid, and reconciliation is automated

05
You earn up to 2% on every invoice payment. Markups for each payment method are adjustable.

01
A bill is uploaded to your platform and prepared for payment

02
The user covers the bill by credit card to leverage their credit terms, paying about 3% commission, of which you earn 0.2%+ and interchange fees if you issued the card

03
The payment is charged to the user’s card and sent to the supplier via ACH/SEPA or a preferred payment method

04
The user has 30+ days to cover the credit card balance
Customers say it best
-
Processing documents, AR & AP via Monite
AR/AP are core to our product, so we looked at multiple providers as well as building in-house. 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
Jane Shmygaleva, CPO
-
Neobanking platform
for E-commerce companiesThanks to Monite, we enable our clients all across Europe to send compliant invoices and collect payments via payment links. At the same time, we enable our eComm customers to pay suppliers worldwide using Monite’s Accounts Payable functionalities and payment rails
Carlos Reuven, CEO
-
Global payrol solution & merketplace for freelancers
We let companies employ people & freelancers globally. With Monite, we are building a finance one-stop-shop for freelancers on our marketplace – so they can manage all their revenue, supplier payments, and more in one interface. Monite also powers up our marketplace payments
Collin Thompson, CEO
-
Business process automation platform for African SMEs
African businesses waste hundreds of hours on admin work, so we are building a platform to streamline their back office, accounting, and payments. We rely on Monite for core functionalities – Invoicing and Bill Pay. We love Monite’s great service, solid features, and easy-to-use SDKs
Steve Mwangi, CEO
Become the one-stop-shop for your
industry before someone else does
Be the first-mover. Don’t play catch-up.
-
01
Finance is a pain
Today, SMBs handle finance manually, leading to lost time, money, cash flow and spending control.
-
02
5-7 tools are needed
It’s hard to automate everything. SMBs need to onboard 5-7 specialized tools for finance alone, which is too pricey and complex.
-
03
SMBs want an all-in-one solution
SMBs dream of automated finance management on a platform they use daily.
Once a software demonstrates its value, customers consolidate around it for all of their needs, transforming it into a one-stop shop.

And tens of other reasons why customers
would switch to you for finance automation

How companies earn millions offering
one-stop-shops for niche industries
-
Started as a POS for restaurants—now it’s an all-in-one tech stack for the entire industry
-
78%
of revenues and 97% of gross
profit from financial services -
114%
net retention rate and 18-month payback period
-
-
Brex started as a credit card provider for startups and became a one-stop-shop financial system for entrepreneurs
-
$12.3bln
valuation
-
60/40
The majority of Brex’s revenue came from interchange fees, followed by SaaS revenue and others
-

How much more money can
you make with Monite?
Instantly calculate potential revenue
based on your user base
Save development
time with modular API
A single access point for various capabilities. Construct solutions of any complexity; test new features once we roll them out without the need to re-integrate

-
Backend integration
2-5 days of work for 2 devs
-
Frontend integration
2-4 weeks with our SDKs—a bit longer if you use your own design system
-
Design
We provide a full guide to UX/UI for each feature to get users active
About Monite
Building the future of
financial services
-
Monite doubles seed round to €10 million
20.03.2022
Learn more -
Next-Gen CFOs Need Next-Gen Tools to Power Their Organizations
01.03.2022
Learn more -
Monite Raises $10M in Seed Funding
20.03.2022
Learn more -
Monite raises another $5 million bringing in a total of $10 million in seed funding
20.03.2022
Learn more -
Why we pay for employee mentors
01.03.2022
Learn more -
The definitive 100 pioneering digital procurement solutions
01.03.2022
Learn more -
How To Prepare For The Era Of Hyper-Niche B2B Super Apps
21.09.2022
Learn more
By providing a tailored and efficient solution through its API-first finance workflows, Monite has the power to unlock an enormous opportunity for the B2B sector, both for SMBs and the platforms serving them, in a repeatable and durable way

