Mercury

Mercury is a banking platform built for startups and tech companies, offering checking, savings, treasury, and corporate-card services. The Mercury REST API exposes accounts, transactions, statements, recipients, ACH and wire payments, treasury yield, and webhooks.

Mercury publishes 16 API contracts indexed on the APIs.io network, including Webhooks API, Accounts API, Cards API, and 13 more. Tagged areas include Banking, Fintech, Startups, Treasury, and Payments.

The Mercury catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Mercury’s developer surface includes pricing, changelog, getting-started guide, authentication, documentation, engineering blog, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

38.9/100 thin ▬ flat Agent 34/100 agent ready Front door AI 3/6 light Heartbeat 79/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumSelf serve⚡ Free to try

1 published contract 1 MCP Servers

Banking Fintech Startups Treasury Payments

What this lets a business do 2

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Payments & Card Management

BC-1340

PaymentsRecipients

POST /account/{id}/recipients GET /recipients POST /recipients

Deposits & Savings Management

BC-1330

Statements

GET /accounts/{id}/statements

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 38.9/100 · thin

Contract Quality 10.7 / 19

Developer Ergonomics 5.4 / 15

Access Clarity 5.5 / 15

Operational Transparency 2.6 / 10

Contract Governance 1.2 / 9

Discoverability 5.6 / 8

Regulatory Posture 1.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 34/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

6 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 35.7 — up to +12.9 composite points
Access Clarity scores 36.8 — up to +12.6 composite points
Contract Quality scores 56.9 — up to +10.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/mercury/apis.yml: open an issue on github.com/api-evangelist/mercury to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Agent Skills (SKILL.md packages)	builds-on	38.7	-	2
MACH & Headless Commerce	builds-on	38.7	-	2
Stripe App Marketplace and Partner Ecosystem (builders on Stripe)	builds-on	38.7	-	2
Raycast Store Extensions (first-party publishers + community-wrapped products)	builds-on	38.7	-	2

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OpenAPI

measured — observed by APIs.io (published)

AsyncAPI

measured — observed by APIs.io (published)

APIs 16

Individual APIs this provider publishes, each with its own machine-readable definition.

Mercury Accounts API

Read access to all Mercury accounts (checking, savings, treasury) opened under the authenticated organization. Returns account ID, name, type, status, current and available bala...

Mercury Transactions API

Lists and retrieves transactions for a given Mercury account. Supports filtering by date range, status (pending, sent, cancelled, failed), and amount, plus pagination. Returns c...

Mercury Statements API

Retrieves monthly account statements for a Mercury account. Each statement returns the start and end dates and a downloadable PDF URL.

Mercury Recipients API

Manages payment recipients (counterparties for outbound ACH and wire payments). Supports creating, retrieving, listing, updating, archiving, and approving recipients. Read-and-w...

Mercury Payments API

Sends outbound ACH and domestic wire payments from a Mercury account to a recipient. Includes operations for requesting a send-money payment, retrieving its status, and cancelli...

Mercury Cards API

Read access to corporate card metadata - status, last four digits, the linked account, the card holder, and spending limits.

Mercury Treasury API

Surfaces treasury account details for organizations enrolled in Mercury Treasury, including yield, allocation across underlying money-market and Treasury bill portfolios, and cu...

Mercury Webhooks API

Subscribes a partner application to event notifications such as transaction created/updated, payment status change, and account balance threshold events. Mercury signs each deli...

Mercury Accounts API

The Accounts API from Mercury — 2 operation(s) for accounts.

Mercury Cards API

The Cards API from Mercury — 1 operation(s) for cards.

Mercury Payments API

The Payments API from Mercury — 2 operation(s) for payments.

Mercury Recipients API

The Recipients API from Mercury — 2 operation(s) for recipients.

Mercury Statements API

The Statements API from Mercury — 1 operation(s) for statements.

Mercury Transactions API

The Transactions API from Mercury — 2 operation(s) for transactions.

Mercury Treasury API

The Treasury API from Mercury — 1 operation(s) for treasury.

Mercury Webhooks API

The Webhooks API from Mercury — 2 operation(s) for webhooks.

Scroll for all 16

Open Collections 9

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Mercury Accounts API

OPEN COLLECTION

Mercury Accounts Cards API

OPEN COLLECTION

Mercury Accounts Payments API

OPEN COLLECTION

Mercury Accounts Recipients API

OPEN COLLECTION

Mercury Accounts Statements API

OPEN COLLECTION

Mercury Accounts Transactions API

OPEN COLLECTION

Mercury Accounts Treasury API

OPEN COLLECTION

Mercury Accounts Webhooks API

OPEN COLLECTION

Mercury API

OPEN COLLECTION

Scroll for all 9

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Mercury MCP Server

Remote MCP server at docs.mercury.com over HTTP; 5 tools listed.

MCP SERVER

Mercury API pricing

Prices published by Mercury, read 2026-09-20 from mercury.com/pricing.

Plan	Price
Mercury	$0 per month Includes: Powerful banking and finance essentials included with every account. Banking, sending and receiving
Mercury Plus	$29.90 per month Includes: Everything in Mercury plus invoice with ACH debit ($1/transaction), recurring invoices, unlimited 10
Mercury Pro	$299 per month Includes: Everything in Plus, relationship manager, invoice with ACH debit ($0/transaction), NetSuite categori
Mercury Personal	$240/year, covered. Includes: Free with any business plan

Plan details, limits and sources →

Rate limits

Per-Token Throttle: dynamic requests
Plus - Invoicing API Quota: 500 invoice created
Pro - Invoicing API Quota: unlimited invoice created

Compiled by API Evangelist, not yet checked against Mercury's documentation. All 4 limits →

Pricing Plans 2

Published pricing tiers and plan structures.

Mercury Plans Pricing

4 plans

PLANS

Mercury Price Estimates

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Mercury Rate Limits

4 limits

RATE LIMITS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Mercury

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Mercury Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Mercury Webhooks

AsyncAPI description of Mercury Banking's outbound webhook surface. Mercury delivers event notifications by issuing HTTP POST requests with a JSON body to a subscriber HTTPS end...

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Mercury — asyncapi rules

8 rules · 1 errors 6 warnings 1 info

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Mercury Authentication

http · 1 scheme

SECURITY

Mercury Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Mercury Agentic Access

19 operations · 8 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LlmsText

LlmsText

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: mercury
url: https://raw.githubusercontent.com/api-evangelist/mercury/refs/heads/main/apis.yml
name: Mercury
kind: company
description: Mercury is a banking platform built for startups and tech companies, offering checking, savings, treasury, and
  corporate-card services. The Mercury REST API exposes accounts, transactions, statements, recipients, ACH and wire payments,
  treasury yield, and webhooks.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: self-serve
  trial: false
  try_now: true
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Freemium · Self-serve signup
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/mercury.png
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Banking
- Fintech
- Startups
- Treasury
- Payments
created: '2026-05-08'
modified: '2026-05-30'
specificationVersion: '0.23'
apis:
- aid: mercury:accounts
  name: Mercury Accounts API
  description: Read access to all Mercury accounts (checking, savings, treasury) opened under the authenticated organization.
    Returns account ID, name, type, status, current and available balances, account number, routing number, and account-holder
    details.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Account
  - Banking
  - Balances
  tags_raw:
  - Accounts
  - Banking
  - Balance
  properties:
  - type: Documentation
    url: https://docs.mercury.com/reference/accounts
- aid: mercury:transactions
  name: Mercury Transactions API
  description: Lists and retrieves transactions for a given Mercury account. Supports filtering by date range, status (pending,
    sent, cancelled, failed), and amount, plus pagination. Returns counterparty information, kind (ACH, wire, card, internal
    transfer, fee), category, note, and audit timestamps.
  humanURL: https://docs.mercury.com/reference/transactions
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Transaction
  - Reporting
  tags_raw:
  - Transactions
  - Reporting
  properties:
  - type: Documentation
    url: https://docs.mercury.com/reference/transactions
- aid: mercury:statements
  name: Mercury Statements API
  description: Retrieves monthly account statements for a Mercury account. Each statement returns the start and end dates
    and a downloadable PDF URL.
  humanURL: https://docs.mercury.com/reference/get-statements
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Statements
  - Reporting
  - PDF
  properties:
  - type: Documentation
    url: https://docs.mercury.com/reference/get-statements
- aid: mercury:recipients
  name: Mercury Recipients API
  description: Manages payment recipients (counterparties for outbound ACH and wire payments). Supports creating, retrieving,
    listing, updating, archiving, and approving recipients. Read-and-write access to this endpoint requires IP whitelisting.
  humanURL: https://docs.mercury.com/reference/recipients
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Recipients
  - Counterparties
  - Payments
  properties:
  - type: Documentation
    url: https://docs.mercury.com/reference/recipients
- aid: mercury:payments
  name: Mercury Payments API
  description: Sends outbound ACH and domestic wire payments from a Mercury account to a recipient. Includes operations for
    requesting a send-money payment, retrieving its status, and cancelling pending payments. Read-and-write tokens are required
    and must originate from a whitelisted IP.
  humanURL: https://docs.mercury.com/reference/send-money
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Payments
  - ACH
  - Wire
  properties:
  - type: Documentation
    url: https://docs.mercury.com/reference/send-money
- aid: mercury:cards
  name: Mercury Cards API
  description: Read access to corporate card metadata - status, last four digits, the linked account, the card holder, and
    spending limits.
  humanURL: https://docs.mercury.com/reference/cards
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Cards
  - Spending
  - Corporate Cards
  properties:
  - type: Documentation
    url: https://docs.mercury.com/reference/cards
- aid: mercury:treasury
  name: Mercury Treasury API
  description: Surfaces treasury account details for organizations enrolled in Mercury Treasury, including yield, allocation
    across underlying money-market and Treasury bill portfolios, and current balance.
  humanURL: https://docs.mercury.com/reference/treasury
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Treasury
  - Yield
  - Cash Management
  properties:
  - type: Documentation
    url: https://docs.mercury.com/reference/treasury
- aid: mercury:webhooks
  name: Mercury Webhooks API
  description: Subscribes a partner application to event notifications such as transaction created/updated, payment status
    change, and account balance threshold events. Mercury signs each delivery so receivers can verify authenticity.
  humanURL: https://docs.mercury.com/reference/webhooks
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Webhook
  - Event
  - Notification
  tags_raw:
  - Webhooks
  - Events
  - Notifications
  properties:
  - type: Documentation
    url: https://docs.mercury.com/reference/webhooks
  - type: AsyncAPI
    url: asyncapi/mercury-webhooks-asyncapi.yml
- aid: mercury:mercury-accounts-api
  name: Mercury Accounts API
  description: The Accounts API from Mercury — 2 operation(s) for accounts.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Account
  tags_raw:
  - Accounts
  properties:
  - type: OpenAPI
    url: openapi/mercury-accounts-api-openapi.yml
- aid: mercury:mercury-cards-api
  name: Mercury Cards API
  description: The Cards API from Mercury — 1 operation(s) for cards.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Cards
  properties:
  - type: OpenAPI
    url: openapi/mercury-cards-api-openapi.yml
- aid: mercury:mercury-payments-api
  name: Mercury Payments API
  description: The Payments API from Mercury — 2 operation(s) for payments.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Payments
  properties:
  - type: OpenAPI
    url: openapi/mercury-payments-api-openapi.yml
- aid: mercury:mercury-recipients-api
  name: Mercury Recipients API
  description: The Recipients API from Mercury — 2 operation(s) for recipients.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Recipients
  properties:
  - type: OpenAPI
    url: openapi/mercury-recipients-api-openapi.yml
- aid: mercury:mercury-statements-api
  name: Mercury Statements API
  description: The Statements API from Mercury — 1 operation(s) for statements.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Statements
  properties:
  - type: OpenAPI
    url: openapi/mercury-statements-api-openapi.yml
- aid: mercury:mercury-transactions-api
  name: Mercury Transactions API
  description: The Transactions API from Mercury — 2 operation(s) for transactions.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Transaction
  tags_raw:
  - Transactions
  properties:
  - type: OpenAPI
    url: openapi/mercury-transactions-api-openapi.yml
- aid: mercury:mercury-treasury-api
  name: Mercury Treasury API
  description: The Treasury API from Mercury — 1 operation(s) for treasury.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Treasury
  properties:
  - type: OpenAPI
    url: openapi/mercury-treasury-api-openapi.yml
- aid: mercury:mercury-webhooks-api
  name: Mercury Webhooks API
  description: The Webhooks API from Mercury — 2 operation(s) for webhooks.
  humanURL: https://docs.mercury.com/reference/accounts
  baseURL: https://api.mercury.com/api/v1
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/mercury-webhooks-api-openapi.yml
common:
- type: Pricing
  url: https://mercury.com/pricing
- type: CapabilityMap
  url: capabilities/mercury-capability-edges.yml
  name: Mercury Business Capability Map
- type: ChangeLog
  url: https://docs.mercury.com/changelog
- type: GettingStarted
  url: https://docs.mercury.com/docs/getting-started
- type: AgenticAccess
  url: agentic-access/mercury-agentic-access.yml
- type: DomainSecurity
  url: security/mercury-domain-security.yml
- type: Authentication
  url: authentication/mercury-authentication.yml
- type: GitHubOrganization
  url: https://github.com/MercuryTechnologies
- type: LinkedIn
  url: https://www.linkedin.com/company/mercuryhq
- type: Website
  url: https://mercury.com/
- type: Documentation
  url: https://docs.mercury.com/
- type: Plans
  url: plans/mercury-plans-pricing.yml
- type: RateLimits
  url: rate-limits/mercury-rate-limits.yml
- type: FinOps
  url: finops/mercury-finops.yml
- type: LlmsText
  url: https://docs.mercury.com/llms.txt
- url: https://mercury.com/blog
  type: Blog
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Mercury API — frequently asked questions

Does Mercury have an API?

Yes. APIs.io lists 16 APIs from Mercury, including Mercury Accounts API, Mercury Transactions API and Mercury Statements API, and 13 more.

Is there an OpenAPI specification for the Mercury API?

Yes. APIs.io indexes 8 OpenAPI specifications for Mercury, each linked for download from this page.

How do I authenticate with the Mercury API?

Mercury uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as Mercury Authentication.

How much does the Mercury API cost?

Mercury publishes its prices; its Mercury plan is $0 per month as of 2026-09-20. APIs.io lists 4 pricing plans for Mercury, with each plan's price, limits and inclusions under Pricing on this page.

Does Mercury have an MCP server?

Yes. APIs.io lists 1 MCP server for Mercury: Remote MCP server at docs.mercury.com over HTTP; 5 tools listed.

Is the Mercury API ready for AI agents?

Mercury has a Kin Score of 38.9 out of 100 (thin) and an Agent Readiness score of 33.6 (agent-ready), scored by API Evangelist on 2026-11-06.

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