Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 7 companies across 2 categories.
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Merge launched in 2020 as a unified API for HRIS/ATS/Accounting/CRM/Ticketing/File Storage, aimed at B2B SaaS companies who wanted to ship customer-facing integrations without building each connector themselves. By 2026 the company has repositioned around AI: the same unified-integration muscle now powers Merge Agent Handler (giving AI agents authenticated tool access) and Merge Gateway (LLM routing and cost control). Merge is not an embedded finance company — it is embedded-finance-adjacent as a data pipe into the accounting / HRIS / financial services stacks its customers build on top of.
Other Unified Payroll/HRIS providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #6 of 23 in Unified Payroll/HRIS — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/merge/install" width="1" height="1" alt="" style="display:none">7 companies are linked to Merge in the Embedded Finance Index 2026, through their own public disclosures or Merge's published customer list, including 15Five, Officient, AceUp, BambooHR, Paycaptain, Homerun and Ledgy.
Merge is an embedded-finance provider in Unified Payroll/HRIS and Unified Accounting. It ranks #6 of 23 Unified Payroll/HRIS providers by linked companies.
The most-named Unified Payroll/HRIS alternatives to Merge are Finch (48 buyers), Apideck (9 buyers), Argyle (8 buyers), Atomic (7 buyers), Remote (7 buyers) and Pinwheel (5 buyers).
Merge was founded by Shensi Ding and Gil Feig and is founded in 2020, headquartered in San Francisco, CA (offices in SF, New York, Berlin).
Merge has raised ~$74.5M in total.
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