# Mercury

**Canonical:** https://apis.io/providers/mercury/  
**Website:** https://mercury.com/  
**APIs profiled:** 16

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.

## Kin Score — 36.2 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 36.2).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 65.2 |
| Governance | 13.6 |
| Contract Governance | 13.6 |
| Operational Transparency | 26.3 |
| Developer Ergonomics | 29.8 |
| Commercial Clarity | 15.8 |
| Access Clarity | 15.8 |

Regulatory layer — **Banking & Open Finance**: 15.2 (matched via tags).

## Agent readiness — 30.3 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | derived |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Self-serve signup — onboarding: self-serve, pricing: freemium, trial: no (confidence: high).

## APIs (16)

- **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.

## Agentic access (1)

- **Mercury Agentic Access** — 19 operations · 8 acting

## Security (2)

- **Mercury Authentication** — http · 1 scheme
- **Mercury Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **Mercury Plans Pricing**

## Tags

Banking, Fintech, Startups, Treasury, Payments

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/mercury/). Scores are computed from the provider's own public artifacts under a published rubric.