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

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

Set environment variable:

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 -c 'curl -s "https://api.example.com" --header "Authorization: Bearer $API_KEY"' | jq .

---

Accounts

List All Accounts

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

Get Account by ID

bash -c 'curl -s "https://api.mercury.com/api/v1/account/{accountId}" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

Get Account Cards

bash -c 'curl -s "https://api.mercury.com/api/v1/account/{accountId}/cards" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

---

Transactions

List Account Transactions

bash -c 'curl -s "https://api.mercury.com/api/v1/account/{accountId}/transactions" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

List Transactions with Filters

Filter by date range, status, or limit:

bash -c 'curl -s "https://api.mercury.com/api/v1/account/{accountId}/transactions?limit=50&start=2024-01-01&end=2024-12-31" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

Get Transaction by ID

bash -c 'curl -s "https://api.mercury.com/api/v1/account/{accountId}/transaction/{transactionId}" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

---

Transfers

Create Internal Transfer

Transfer funds between your Mercury accounts:

bash -c 'curl -s -X POST "https://api.mercury.com/api/v1/account/{accountId}/internal-transfer" --header "Authorization: Bearer $MERCURY_API_TOKEN" --header "Content-Type: application/json" -d '"'"'{"toAccountId": "target-account-id", "amount": 100.00, "note": "Internal transfer"}'"'"'' | jq .

Send Money Request

Initiate a money transfer request:

bash -c 'curl -s -X POST "https://api.mercury.com/api/v1/account/{accountId}/send-money" --header "Authorization: Bearer $MERCURY_API_TOKEN" --header "Content-Type: application/json" -d '"'"'{"recipientId": "recipient-id", "amount": 100.00, "paymentMethod": "ach", "idempotencyKey": "unique-key-123"}'"'"'' | jq .

Get Send Money Request Status

bash -c 'curl -s "https://api.mercury.com/api/v1/request-send-money/{requestId}" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

---

Recipients

List All Recipients

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

Get Recipient by ID

bash -c 'curl -s "https://api.mercury.com/api/v1/recipient/{recipientId}" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

Create Recipient

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

---

Statements

List Account Statements

bash -c 'curl -s "https://api.mercury.com/api/v1/account/{accountId}/statements" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

Download Statement PDF

bash -c 'curl -s "https://api.mercury.com/api/v1/account/{accountId}/statement/{statementId}/pdf" --header "Authorization: Bearer $MERCURY_API_TOKEN"' > statement.pdf

---

Organization

Get Organization Info

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

---

Treasury

List Treasury Accounts

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

Get Treasury Account by ID

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

List Treasury Transactions

bash -c 'curl -s "https://api.mercury.com/api/v1/treasury/{treasuryId}/transactions" --header "Authorization: Bearer $MERCURY_API_TOKEN"' | jq .

---

Users

List Users

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

---

Credit

List Credit Accounts

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

---

Accounts Receivable

List Customers

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

Create Customer

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

List Invoices

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

Create Invoice

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

Download Invoice PDF

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

---

Guidelines

1. Rate Limits: Mercury may enforce rate limits; implement appropriate backoff strategies for high-volume operations
2. Idempotency: Use idempotencyKey for transfer operations to prevent duplicate transactions
3. Security: Never expose API tokens in logs or client-side code
4. Amounts: All monetary amounts are typically in USD and represented as decimal numbers
5. 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