Programmable finances for developers & agents

Automate your financial operations with a full banking API, terminal-native CLI, and AI-ready MCP server.

Connect your AI agent to verified financial data

  • Give your agents the same financial context you have — no code required
  • Query balances, transaction history, and account data in natural language
  • Give your AI workflows direct access to live account data — no brittle scrapers or CSV exports
  • Read-only access ensures your AI can analyze data without moving money

Built for your workflows, wherever you work

Mercury is available as a native MCP server and through the tools your team already uses, including:

The API for programmatic banking

  • Pull balances, list transactions, and initiate ACH transfers — all through a single REST API
  • Test safely in the sandbox, then swap one URL for production
  • 100 free ACH transfers per month included with every account

Program your accounts receivables workflows

  • Generate and send invoices based on CRM, billing, or usage data
  • Monitor invoice status to make sure you're always paid on time
  • Read your invoicing data and track your revenue
  • Create up to 500 invoices/month on Mercury Plus, or unlimited invoices with Pro

Maintain security and control at every layer

  • Issue scoped API tokens with fine-grained permissions
  • Enforce IP allow-listing and separation between read and write actions
  • Built on SOC 2 Type II compliant infrastructure
  • Banking services provided through FDIC-insured partner banks, with encryption in transit and at rest

What you can automate with Mercury

  • Nightly reconciliation to QuickBooks
  • Programmatic vendor payouts
  • Set Slack alerts
  • Sweep excess cash to Mercury Treasury
  • Create an agentic CFO
  • Put invoicing on autopilot

Ready to automate your money?

Spin up your first call in under five minutes.

Disclaimers and footnotes

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.