Mercury Banking API

Manage business bank accounts, transactions, transfers, and financial operations via Mercury's REST API.

Official docs: https://docs.mercury.com/reference/getaccount

When to Use

Use this skill when you need to:

View account balances and details
List and search transactions
Create internal transfers between accounts
Manage recipients for external transfers
Download account statements
Access treasury account information

Prerequisites

Sign up for a Mercury business bank account at https://mercury.com
Go to Settings > Developers > API Tokens
Create a new API token with appropriate permissions

Set environment variable:

bash

export MERCURY_API_TOKEN="your-api-token"

Important: When using
$VAR
in a command that pipes to another command, wrap the command containing
$VAR
in
bash -c '...'
. Due to a Claude Code bug, environment variables are silently cleared when pipes are used directly.
bash
bash -c 'curl -s "https://api.example.com" --header "Authorization: Bearer $API_KEY"'

Accounts

List All Accounts

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/accounts" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Get Account by ID

Replace

<your-account-id>

with the actual account ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/account/<your-account-id>" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Get Account Cards

Replace

<your-account-id>

with the actual account ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/cards" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Transactions

List Account Transactions

Replace

<your-account-id>

with the actual account ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/transactions" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

List Transactions with Filters

Filter by date range, status, or limit. Replace

<your-account-id>

with the actual account ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/transactions?limit=50&start=2024-01-01&end=2024-12-31" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Get Transaction by ID

Replace

<your-account-id>

and

<your-transaction-id>

with the actual IDs:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/transaction/<your-transaction-id>" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Transfers

Create Internal Transfer

Transfer funds between your Mercury accounts.

Write to

/tmp/mercury_request.json

json

{
  "toAccountId": "target-account-id",
  "amount": 100.00,
  "note": "Internal transfer"
}

Then run. Replace

<your-account-id>

with the actual account ID:

bash

bash -c 'curl -s -X POST "https://api.mercury.com/api/v1/account/<your-account-id>/internal-transfer" --header "Authorization: Bearer $MERCURY_API_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json'

Send Money Request

Initiate a money transfer request.

Write to

/tmp/mercury_request.json

json

{
  "recipientId": "recipient-id",
  "amount": 100.00,
  "paymentMethod": "ach",
  "idempotencyKey": "unique-key-123"
}

Then run. Replace

<your-account-id>

with the actual account ID:

bash

bash -c 'curl -s -X POST "https://api.mercury.com/api/v1/account/<your-account-id>/send-money" --header "Authorization: Bearer $MERCURY_API_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json'

Get Send Money Request Status

Replace

<your-request-id>

with the actual request ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/request-send-money/<your-request-id>" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Recipients

List All Recipients

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/recipients" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Get Recipient by ID

Replace

<your-recipient-id>

with the actual recipient ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/recipient/<your-recipient-id>" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Create Recipient

Write to

/tmp/mercury_request.json

json

{
  "name": "Vendor Name",
  "emails": ["vendor@example.com"],
  "paymentMethod": "ach",
  "electronicRoutingInfo": {
    "accountNumber": "123456789",
    "routingNumber": "021000021",
    "bankName": "Example Bank",
    "electronicAccountType": "businessChecking"
  }
}

Then run:

bash

bash -c 'curl -s -X POST "https://api.mercury.com/api/v1/recipients" --header "Authorization: Bearer $MERCURY_API_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json'

Statements

List Account Statements

Replace

<your-account-id>

with the actual account ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/statements" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Download Statement PDF

Replace

<your-account-id>

and

<your-statement-id>

with the actual IDs:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/statement/<your-statement-id>/pdf" --header "Authorization: Bearer $MERCURY_API_TOKEN"' > statement.pdf

Organization

Get Organization Info

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/organization" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Treasury

List Treasury Accounts

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/treasury" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Get Treasury Account by ID

Replace

<your-treasury-id>

with the actual treasury ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/treasury/<your-treasury-id>" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

List Treasury Transactions

Replace

<your-treasury-id>

with the actual treasury ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/treasury/<your-treasury-id>/transactions" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Users

List Users

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/users" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Credit

List Credit Accounts

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/credit" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Accounts Receivable

List Customers

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/accounts-receivable/customers" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Create Customer

Write to

/tmp/mercury_request.json

json

{
  "name": "Customer Name",
  "email": "customer@example.com"
}

Then run:

bash

bash -c 'curl -s -X POST "https://api.mercury.com/api/v1/accounts-receivable/customers" --header "Authorization: Bearer $MERCURY_API_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json'

List Invoices

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/accounts-receivable/invoices" --header "Authorization: Bearer $MERCURY_API_TOKEN"'

Create Invoice

Write to

/tmp/mercury_request.json

json

{
  "customerId": "customer-id",
  "lineItems": [{"description": "Service", "amount": 500.00}],
  "dueDate": "2024-12-31"
}

Then run:

bash

bash -c 'curl -s -X POST "https://api.mercury.com/api/v1/accounts-receivable/invoices" --header "Authorization: Bearer $MERCURY_API_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json'

Download Invoice PDF

Replace

<your-invoice-id>

with the actual invoice ID:

bash

bash -c 'curl -s "https://api.mercury.com/api/v1/accounts-receivable/invoice/<your-invoice-id>/pdf" --header "Authorization: Bearer $MERCURY_API_TOKEN"' > invoice.pdf

Guidelines

Rate Limits: Mercury may enforce rate limits; implement appropriate backoff strategies for high-volume operations
Idempotency: Use
```
idempotencyKey
```
for transfer operations to prevent duplicate transactions
Security: Never expose API tokens in logs or client-side code
Amounts: All monetary amounts are typically in USD and represented as decimal numbers
Pagination: For large result sets, use
```
limit
```
and
```
offset
```
parameters where supported

API Reference

Documentation: https://docs.mercury.com/reference/getaccount
Dashboard: https://dashboard.mercury.com

mercury

NPX Install

Tags

SKILL.md Content

Mercury Banking API

When to Use

Prerequisites

Accounts

List All Accounts

Get Account by ID

Get Account Cards

Transactions

List Account Transactions

List Transactions with Filters

Get Transaction by ID

Transfers

Create Internal Transfer

Send Money Request

Get Send Money Request Status

Recipients

List All Recipients

Get Recipient by ID

Create Recipient

Statements

List Account Statements

Download Statement PDF

Organization

Get Organization Info

Treasury

List Treasury Accounts

Get Treasury Account by ID

List Treasury Transactions

Users

List Users

Credit

List Credit Accounts

Accounts Receivable

List Customers

Create Customer

List Invoices

Create Invoice

Download Invoice PDF

Guidelines

API Reference