Embedded AI
Invoicing & Bill Pay for

Vertical SaaS

Fintech SaaS

Banks & Neobanks

Payment providers

Robust AR/AP functionality, accounting integrations, and payments in a single API. Fully customizable API, go live with 2 developers in 2 weeks.

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”

Businesses struggle with revenue
collection and spending control

We feel your 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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Features

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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Solutions

Offer features that match
top industry players

Invoicing &
e-invoicing

Manage product/service catalog
Create and manage quotes
Send professional invoices & Peppol e-invoices
Send automated payment reminders
Offer one-click payment options
See revenue analytics
Ensure compliance for 25+ geographies
Integrate with 40+ accounting platforms
Invoicing & <br/>e-invoicing

Accounts payable
automation

Collect bills via email or e-invoicing
Pull invoices from e-invoicing – full Peppol compliance
Get an overview of payables & obligations
Build & customize approval workflows
Pay bills efficiently in one click – with ACH, SEPA, checks, or more
Single and bulk payments
Analyze spending and debt analytics
Integrate with 40+ accounting providers
Accounts payable <br>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
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 0.5% on every invoice payment. Markups for each payment method are adjustable
01
A bill is forwarded or uploaded to your platform and prepared for payment
02
The user pays the bill via open banking, credit card, or other methods. You make a commission on every payment—e.g. up to 2% on card payments
03
The payment is charged to the user’s card or account and sent to the supplier via SEPA/ACH or other preferred payment method
04
If the user paid the bill with a credit card, standard credit terms apply—for instance, allowing up to 30 extra days to pay the balance
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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

API Docs Sandbox
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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.

Icon block - invoicing api, e invoice api, e invoicing api, create invoice api, free invoice api, api e invoice, api for e invoice, e invoice api portal, e invoice developer portal, embed invoicing, embeded invoicing

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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Team

Experts from top Fintech

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Ivan Maryasin Co-Founder & CEO

Built a key EU SMB neobank with over 50k clients

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Alex Akimov CTO

Led tech & API for Adyen and other fintechs

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Sophie Haagensen COO

Led strategy and scaled Atom bank from 6 to 400+ FTEs.

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Igor Kuschnir CFO

Built a key EU SMB neobank with over 50k clients

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Bobby Fowley CRO

Led GTM and scaled top US and UK FinTechs – Lightspeed and Codat

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João Moreira Director of Product

8+ years experience in payments, built PPS/Edenred Payment Solutions

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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