Add Invoicing & Bill Pay to your product
in 3-5 weeks

We let B2B neobanks and SaaS platforms embed compliant invoicing and accounts payable automation. API-first & fully customizable

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TRUSTED BY DOZENS OF PLATFORMS

WHY MONITE

We let you become
Super-App for your clients

Happy business clients
Your platform
MONITE API
Bill pay (AP Automation)
Invoicing (AR Automation)
Expenses & reimbursements

You’re best-in-class
.

We help you become all-in-one

Accounts Payable Automation

  • Your clients can collect bills, run approvals, pay out

    Your clients can collect all incoming bills in one place, collaborate & build approval flows, allow employees to pay invoices with a card or another payment method, and more

  • You get payments and SaaS revenue

    Offering Bill Pay functionality to clients lets you earn on each payment and charge additional SaaS fees (industry benchmark up to €300/mo)

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Compliant Invoicing

  • Your clients can send invoices & get paid

    Your clients can send offers & invoices to their clients, collect payments online and see analytics. Custom invoice design, reminders & dunning, auto-payment recognition & reconciliation, and more

  • You earn from payment processing & SaaS

    Every time someone pays the invoice with the invoice payment link we send, you get a % of the payment. You can also charge a SaaS fee for invoicing functionality

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EARN MORE PER CLIENT

Embedding AP/AR is a game-changer,
Boost revenues & engagement, raise more funds

Earn up to 10x MRR
SaaS, Payment & Upsell revenue
You earn more SaaS revenue on the new features + payment processing fees + upsell revenue
Get 3-5x Engagement
MAU & WAU go up
Clients use you daily or weekly – using new & your core functionality
Skyrocket Acquisition
Differentiation & new users
You stand out in the market and attract more clients, plus you grow faster due to higher ROI

Use cases

B2B Neobanks
Add a full finance suite on top of the business bank account. Earn up to 5x SaaS fees, grow interchange 30-40%, and boost engagement 25-30%
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B2B Neobanks

What your users get

Full finance control centre – managing all bank accounts, cashflow analytics, invoicing & collecting revenue, full spending/expense management, integration into accounting systems. They can use your interface instead of signing up for 3-5 different vertical tools and paying $200/mo

How you make money

  • SaaS fees: you can charge $10-50/mo extra for invoicing and $30-300/mo for payables automation
  • Payment fees: 0.5%+ per invoice. 50% of outgoing invoices are paid by card. Plus, we shift 20-30% of incoming bills payments from ACH/SEPA to cards (convenience, credit card terms). We also support FX/international supplier payments. You earn a commission per payment for any of those payments
  • Interchange: up to 1.7-2% per invoice – for all the invoices paid with your cards, you will earn additional interchange – allowing you to grow interchange revenue 25%+

Who uses it

The market is still wide open – only a few leading neobanks are live with similar functionalities. Among them – Bluevine, Tide, and others

Contact us
B2B SaaS
Become a one-stop-shop for the clients you already have – help them run more aspects of the business with you & earn fintech revenues – up to 3-4x MRR & engagement, up to 2-3x LTV
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B2B SaaS

What your users get

Enhance your core product with a full finance control centre for clients. They get robust cashflow overview, invoicing & collecting revenue, full spending management, and integration into accounting systems. You can also connect any of these functions to your database or logic – e.g. for a legal platform – automatically issue the invoice once the contract with the client is signed or if a court decision came in

How you make money

  • SaaS fees: earn extra $30-50+/mo or make new features a part of the premium plan
  • Payment fees: 0.5%+ per invoice. 50% of outgoing invoices are paid by card. Plus, we shift 20-30% of incoming bills payments from ACH/SEPA to cards (convenience, credit card terms). We also support FX/international supplier payments. You earn a commission per payment for any of those payments
  • Interchange: if you decide to issue cards, you can also earn up to 1.7-2% per invoice paid with your card

Who uses it

B2B SaaS players are actively becoming fintechs (see a16z’s every company is a fintech). Some of the best industry examples include Toast (restaurant software), Squire (barbershop software), Square (POS), Ampla (SME lending) – they started with one thing and are now turning into finance super-apps for their clients driving 10x+ revenue compared to competition

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Marketplaces & platforms
Issue compliant invoices at checkout, issue invoices on behalf of freelancers, allow client-freelancer collaboration, and more. Easy payments, invoice editing & reconciliation
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Marketplaces & platforms

What your users get

For transactions on the marketplace we offer compliant invoice issuance as well as editing/cancelling invoices, reconciliation, accounting export, and more. 

If your audience gets a lot of business from your marketplace (e.g. models get 80% of bookings via LÜK Networks), you can also become their main place to manage finances. For that we provide a full cashflow overview, invoicing & collecting revenue, full spending management, and integration into accounting systems.

How you make money

  • SaaS fees: earn extra $30-50+/mo or make new features a part of the premium plan
  • Payment fees: 0.5%+ per invoice. 50% of outgoing invoices are paid by card. Plus, we shift 20-30% of incoming bills payments from ACH/SEPA to cards (convenience, credit card terms). We also support FX/international supplier payments. You earn a commission per payment for any of those payments
  • Interchange: if you decide to issue cards, you can also earn up to 1.7-2% per invoice paid with your card

 

Who uses it

Amazon, Etsy, and a number of other large marketplaces are actively building a super-app for their users. That way, they don’t have to use 5-7 different finance apps to run e.g. their Amazon drop shipping business – they can just use Amazon for everything, including vendor management, payments to suppliers abroad, or VAT calculations.

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OUR Clients

Success cases

Online accounting service
& 
back office automation
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, CPO
  • Invoicing
  • Accounts Payable
  • Payments
Global payroll solution
&
 marketplace for freelancers
Full finance suite 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, CEO
  • Invoicing
  • Accounts Payable
  • Payments
Business process automation

platform for African SMEs
Providing Invoicing & Bill Pay via Monite
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, CEO
  • Invoicing
  • Accounts Payable
Neobanking platform

for e-Commerce companies
Enabling Revenue Collection & Bill Pay via Monite
Thanks 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, CEO
  • Accounts Payable
  • Payments

How it works

Go live in 3-5 weeks

1.

Connect to Monite API

Get access to key functions via the API, connect your users & permissions logic

2.

Configure the offering

Define feature availability for each pricing tier and customize the offering to your clients as you wish

3.

Apply your brand

Use our frontend guidance to add new features to your interface and maximize activation rate

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