Mercury
Unclaimed verified 8 oct 2026Radically different banking for startups and scaling companies
TL;DR
Mercury is a modern business banking and financial operations platform designed for tech startups and scaling companies, offering free FDIC-insured accounts via partner banks. It combines core checking, savings, corporate debit cards, and treasury yield with automated accounting sync. Its primary differentiator is its developer-first architecture, featuring a full-featured REST API and programmatic payment controls.
What Users Actually Pay
No user-reported pricing yet.
Our Take
Mercury holds a commanding market position as the preferred financial platform for venture-backed startups, software companies, and digital agencies. By abstracting banking operations behind an elegant software UI and multi-bank sweep network offering up to $5M in FDIC insurance, it strips away the typical administrative frictions, paper forms, and wire fees found in traditional commercial banks. The platform's main strengths are its sleek user experience, instant virtual card creation, automated expense workflows, and robust developer API that empowers automated financial routing. Routine tasks—such as reconciling payments, managing spend thresholds, and syncing feeds to QuickBooks or Xero—require minimal manual overhead. However, Mercury has inherent fintech constraints. Because it is a financial technology company partnering with chartered banks rather than a standalone bank, its operations are subject to strict sponsor-bank compliance controls. This can sometimes result in sudden account freezes, protracted KYC checks, or offboarding for foreign-national or cross-border founders. Additionally, it provides no physical cash deposit options and relies heavily on asynchronous email customer support. Mercury is best suited for US-incorporated tech startups, e-commerce businesses, and remote digital teams prioritizing API-driven banking and electronic funds transfers. It is not recommended for brick-and-mortar retail businesses requiring cash handling.
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Pros
- + Zero baseline fees with no monthly account maintenance, minimum balances, or domestic USD wire charges
- + Robust developer API with webhook events, programmatic payment staging, and granular token scopes
- + Sweep network providing up to $5M in pass-through FDIC insurance across partner banks
- + Modern finance tooling including instant virtual debit cards, customizable team spend limits, and native accounting integrations
Cons
- - Strict compliance monitoring leading to occasional sudden account holds, delays, or closures
- - Lack of physical cash deposit options and retail branch network
- - Email-first customer service structure that can lead to delayed responses during urgent payment reviews
- - Write-level API tokens require static outbound IP allowlisting, adding setup overhead for serverless environments
Agent Readiness
81/100Mercury provides an exceptionally strong platform for autonomous agent integration. It features a complete REST API covering account data, transactions, recipient management, and programmatic wire/ACH dispatches, complemented by HMAC-signed webhooks. Furthermore, Mercury provides dedicated OpenAPI schemas, markdown-ready API endpoints, and an llms.txt index tailored for LLM agents and MCP servers. The main constraint for automated execution is the requirement for static egress IP allowlisting on tokens with write capabilities.
Last checked Sep 24, 2026
MCP Integrations
6 servers35 tools364 total usesOnline business banking services. Businesses can apply for accounts, earn yield, and access capital. It provides tools for card issuance, team spending control, payments, and invoicing.
30 tools
getAccountGet account by IDgetAccountCardsRetrieve all debit and credit cards associated with a specific account.getAccountStatementsRetrieve a paginated list of monthly statements for a specific account. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters, as well as date range filtering with start and end parameters.getTransactionGet transaction by IDgetAccountsRetrieve a paginated list of accounts. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters.getAttachmentRetrieve attachment details including download URLlistCustomersRetrieve a paginated list of customers. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters.getCustomerRetrieve details of a specific customer by their IDlistInvoicesRetrieve a paginated list of invoices. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters.getInvoiceRetrieve details of an invoice by its IDlistInvoiceAttachmentsRetrieve a list of all attachments for a specific invoicelistCategoriesRetrieve a paginated list of all available custom expense categories for the organization. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters. - These categories are custom and different from the values for "mercuryCategory".listCreditRetrieve a list of all credit accounts for the organization.getOrganizationRetrieve information about your organization including EIN, legal business name, and DBAs.getRecipientRetrieve details of a specific recipient by IDgetRecipientsRetrieve a paginated list of all recipients. Use cursor parameters (start_after, end_before) for pagination.listRecipientsAttachmentsRetrieve a paginated list of all recipient tax form attachments across all recipients in the organization. Use cursor parameters (start_after, end_before) for pagination.listSendMoneyApprovalRequestsRetrieve a paginated list of send money approval requests for the authenticated organization. Supports filtering by account and status.getSafeRequestsRetrieve all SAFE (Simple Agreement for Future Equity) requests for your organization.getSafeRequestRetrieve a specific SAFE request by its ID.getTransactionByIdRetrieve a single transaction by its ID. Returns full transaction details including attachments, check images, and related metadata.listTransactionsRetrieve a paginated list of all transactions across all accounts. Supports advanced filtering by date ranges, status, categories, and cursor-based pagination. CRITICAL TRUNCATION RULE - READ THIS FIRST: ================================================================================ IF YOU SEE "Result too long" IN THE RESPONSE: 1. IMMEDIATELY STOP - Do not analyze or use the truncated data 2. The data is INCOMPLETE and any analysis will be WRONG 3. Start over with a smaller limit (reduce by 50%) 4. Paginate through ALL pages until you have complete data 5. NEVER provide answers based on truncated results ================================================================================ MANDATORY PAGINATION FOR COMPLETE RESULTS: When a user asks ANY question requiring complete data (totals, balances, aggregates, "most/least", "all transactions", comparisons, or any calculation across transactions): CRITICAL: Incomplete pagination will produce WRONG ANSWERS for questions about totals, spending categories, balances, minimums, maximums, or "most/least". You must fetch everything before calculating or answering. 1. Start with a limit of 300 transactions. 2. You MUST automatically paginate through ALL pages WITHOUT asking the user 3. Continue calling listTransactions using the page.nextPage value from each response 4. Keep fetching until page.nextPage is not present 5. If pagination would take more than 3 tool calls, ask the user to narrow down to a smaller time period 6. It is a CRITICAL ERROR to answer before having fetched ALL pages FILTERING: - IMPORTANT: WHEN FILTERING BY DATE, ALWAYS CHECK THE CURRENT DATE FIRST and ensure you're using the current year for current year queries - Unless specified otherwise or queried for "all transactions", ONLY include transactions with "status: sent" - To get transactions for a specific account, use the accountId parameter to filter by accountId PAGINATION MECHANICS: - Use the limit parameter to control page size - If page.nextPage is returned, use it as the start_after parameter in your next call - Keep fetching until page.nextPage is null/undefined - The page.nextPage value is a transaction ID to start after (exclusive) COMPUTATIONAL REQUIREMENTS: - For any query requiring: - Sums, totals, averages, medians, modes, ranges, most/least, or other aggregations across accounts/transactions - Calculations involving currency amounts - Comparisons of financial metrics - You MUST: - Create an artifact that processes the data programmatically - Parse the JSON response and use JavaScript/Python to calculate - Display intermediate steps for verification - Never rely on mental arithmetic for financial calculations - Example: "What's my total balance?" - CORRECT: Create artifact that parses accounts, maps to balances, uses reduce() to sum - INCORRECT: Manually adding up balance values For queries about 'last two months' or 'this year', calculate dates based on the actual current date Use the getCurrentDate tool to get the current date. Use the getTransaction tool to get more details about a specific transaction.getTreasuryRetrieve a paginated list of all treasury accounts associated with the authenticated organization. Use cursor parameters (start_after, end_before) for pagination.getTreasuryStatementsRetrieve a paginated list of statements for a specific treasury account. Supports cursor-based pagination and filtering by document type.getTreasuryTransactionsRetrieve paginated treasury transactions for a specific treasury account.getUsersGet all usersgetUserGet user by IDgetWebhooksRetrieve a paginated list of all webhook endpoints for your organization. Supports filtering by status.getWebhookRetrieve details of a specific webhook endpoint by IDgetCurrentDateGet the current date in the format. Example: Fri Oct 31 2025
Agent-payable web data over x402: 18 keyless services an agent pays per call.
Mercury outboard data and quote-building tools from Harris Boat Works, a Mercury Marine Platinum Dealer on Rice Lake, Ontario (since 1947). Real CAD pricing, real motors, real trade-in valuations. Five tools: search_motors, get_motor, estimate_trade_in, build_quote, get_brand_rules. Public, no-auth, JSON-RPC 2.0 over Streamable HTTP.
5 tools
search_motorsSearch current Mercury outboard inventory at Harris Boat Works (Ontario). Filter by horsepower, family (FourStroke, Pro XS, SeaPro, Racing), or stock status. Returns CAD pricing. Excludes Verado.get_motorFetch a single Mercury motor by id or slug, including pricing, shaft length, and deep-link URL.estimate_trade_inEstimate the trade-in value (CAD) of a customer's current outboard. Brand penalties apply (Mercury preferred, Yamaha/Honda neutral, Evinrude/Johnson/Force/Chrysler discounted).build_quoteBuild an itemized CAD quote (motor + installation + propeller + trade-in + HST + financing tier) and return a deep-link URL the customer can open. Optional contact captures a lead in the dealership CRM.get_brand_rulesReturn Harris Boat Works' authoritative source-of-truth rules for any agent representing them: pricing currency, geography, no-Verado policy, financing minimums, deposit tiers, warranty.
Live Mercury outboard data and CAD quote builder from a Mercury Platinum Dealer in Ontario.
Modular MCP server for dynamic prompt generation and software development analysis tools
mercury-number MCP — wraps StupidAPIs (requires X-API-Key)
Last checked Sep 13, 2026
[ features ]
Geostrategic Position
Information on which part of the world this product / vendor belongs to, i.e. the country of their headquarters primarily, but also their hosting options etc.
Find which geostrategic world region the headquarter is located in. Relevant for compliance questions (e.g., CLOUD Act) or risk of cut-off in case of conflicts. For example, some EU companies are worried about the US and would definitely not host their customer with Chinese or Russian companies.
The hosting provider that is used to host this product, if any.
The available hosting locations, if you can choose
Compliance & Security
Security certifications, compliance features, and access control capabilities.
SOC 2 Type I or Type II certification.
ISO 27001 information security certification.
Built-in tools for GDPR compliance (data export, deletion, consent).
Complete audit log of all data changes.
Granular permissions based on user roles.
Single Sign-On integration support.
Developer Experience
Tools and abstractions easing agent development and iteration.
No-code/low-code UI for designing agent workflows.
OpenAI API-compatible endpoints or SDKs.
Available as open-source with community contributions.
Programming languages with official SDK support.
Ready-to-use, customizable UI elements for auth flows.
Self-service admin dashboard for customers to manage users/orgs.
Supported frontend frameworks with dedicated guides/components.
Pricing & Plans
Pricing structure, tiers, and value propositions.
Offers a usable free plan or tier.
One-time payment for perpetual access.
Use existing servers/infra without lock-in.
No limits on number of sites/apps/projects.
Availability of a free plan or trial with usable outputs.
Entry-level price for basic generation package.
Whether usage is limited by credits rather than unlimited in plans.
Discounted or bulk options for teams/enterprises.
Offers a permanent free plan with usable limits
Maximum invoices allowed per month on free plan
Lowest annual subscription price in EUR
Invoicing & Billing
Core invoicing features including automation, templates, and payment handling
Supports automatic generation and sending of recurring invoices
Automated payment reminders and dunning processes
One-click conversion from quotes/offers to invoices
Includes GiroCode or EPC QR codes for easy bank transfers
Accounting Integrations
Connections to banking, tax systems, and export formats
Supports direct export to DATEV accounting software
Automatic matching of bank transactions with bookkeeping
Direct connection for VAT pre-registration and tax filings
Receipt & Document Management
Features for capturing, digitizing, and organizing receipts and documents
AI-powered OCR for scanning and extracting receipt data
Mobile app with camera-based receipt upload and processing
Automatically suggests accounts and categories for receipts
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