MassPay Expands Global Payment Capabilities with Monite’s Embedded AP/AR Solution

Overview

MassPay is a US-based global payments provider that enables SMBs and enterprise partners to manage complex payout operations across borders. From card to ACH, FX to BNPL, MassPay supports over 250 payment methods, helping clients route transactions through their preferred channels.

However, while MassPay excelled in orchestrating how money moves, they recognised a growing demand from users to also manage what happens before a payment – namely, the accounts payable (AP) and accounts receivable (AR) workflows that underpin every B2B transaction.

To stay competitive and expand into a broader category of embedded financial infrastructure, MassPay needed a fast and scalable way to launch invoice-to-payment workflows, without distracting their lean technical team or slowing down product delivery.

With an increasing customer base and expanding market presence, Commitly recognised that to scale effectively, it needed a solution that could automate payment processes, enhance client satisfaction, and provide additional revenue streams. The company’s goal was not only to streamline payment workflows but also to provide a more integrated, seamless financial experience for their users.

The Challenge:

MassPay’s leadership team, led by seasoned payments expert Jeff Katz (CEO), understood the next phase of growth required expanding beyond transactional rails. Their clients needed help managing supplier bills, approving invoices, and scheduling payments. All from inside the MassPay platform.

Yet building these AP/AR workflows in-house posed several risks:

• Time to market: Internal development would take 8–12 months, delaying revenue opportunities
• Complexity: Features like approval routing, data extraction, and invoice formatting are deceptively difficult to build and scale
• Compliance burden: Meeting e-invoicing regulations in the US and Canada, plus growing cross-border needs, would require ongoing maintenance
• Limited internal capacity: With a focused core tech team, any new build would strain product velocity elsewhere

At the same time, MassPay’s commercial goals were clear, they wanted to compete globally with larger global payment players and win both direct SMB users and platform partners. But to do that, they needed a modern workflow layer, without becoming a workflow company themselves.

The Solution

MassPay partnered with Monite to embed AP/AR automation into their platform, using Monite’s developer-first tools to go live fast and scale confidently.

Starting with Monite’s ready-to-use SDK, the MassPay team was able to launch embedded workflows while keeping their core engineering resources focused on other priorities. Their third-party dev team, supported by Monite’s onboarding and documentation, managed the implementation in collaboration with internal product leads.

With Monite, MassPay was able to offer:

• AI-powered OCR to automatically extract invoice data across formats and languages
• Smart approval workflows with customizable rules (vendor, value, department, etc.)
• Integrated bill pay via ACH, SEPA, BNPL, card, and more—plus reconciliation logic built in
• PEPPOL and region-specific compliance, giving them a compliant, cross-border-ready solution
• Real-time reconciliation with accurate payment matching and accounting-ready exports

This approach not only reduced the development burden but also gave MassPay’s clients a better experience. One that starts at invoice upload and ends with successful payment.

The Results

By embedding Monite’s AP/AR infrastructure, MassPay was able to launch its SDK integration in under four weeks, avoiding 8–10 months of internal development and accelerating time-to-value. 

The company now offers a fully embedded accounts payable solution to its 10,000+ projected users, with monetization built in through SaaS fees and payment usage charges. The integration has strengthened platform stickiness, opened up a new revenue stream on each bill processed, and positioned MassPay to better compete with other global players – without the overhead of building and maintaining complex financial workflows in-house.

What’s Next:

Following the successful SDK launch, MassPay plans to expand its integration with Monite’s full API suite, unlocking greater customization and extensibility. Their next goals include:

• Launching accounts receivable workflows to mirror the AP success
• Building dynamic monetization models via embedded BNPL and financing tools
• Deepening automation to support enterprise partners with higher payment volumes

By embedding Monite, MassPay has shifted from being a pure transaction enabler to a platform that supports end-to-end financial operations. As they scale across North America and explore global use cases, Monite remains their infrastructure partner – helping them grow without adding technical debt.