Mercury MCP. Instantly monitor cash flow and transactions.
Mercury MCP connects your AI agent directly to your Mercury business banking account. Check real-time cash positions across all accounts, pull filtered transaction history, and manage payment recipients without ever opening a browser dashboard. It gives your workflow immediate access to core startup financial data.
Give Claude and any AI agent real-world access
Instantly list current balances across every linked Mercury bank account.
Pull and filter transaction records by date, amount, or the counterparty involved in the payment.
List existing payees and create new recipients needed for ACH or wire transfers.
Get specific bank metadata, like routing numbers and full account details, programmatically.
Ask an AI about this
Waiting for input…
What AI agents can do with Mercury: 10 Tools for Financial Data Management
Use these tools to analyze account balances, review transaction history, list payees, and retrieve core financial records from Mercury.
Make your AI actually useful.
Add this MCP to Claude, Cursor, or Windsurf and your AI stops guessing. It gets real tools to look things up, take action, and handle the stuff you keep doing by hand.
Start using Mercury MCPList Accounts
Retrieves a list of every Mercury bank account associated with the business.
List Team Members
Lists all team members connected to the company's operational accounts.
Get Account
Fetches specific metadata and details for a single bank account.
List Transactions
Retrieves the most recent transactions, allowing filtering by parameters like date...
Get Transaction
Gets detailed information about a specific transaction ID.
List Recipients
Shows all payment recipients that have been saved for future use.
Create Recipient
Adds and saves a brand new recipient needed before any payments can be sent out.
List Payments
Lists payment transactions that have been successfully sent from the account.
List Statements
Retrieves a list of available bank statements for historical review and auditing.
Get Treasury Balance
Provides an overview or summary of the overall treasury balance across linked...
Security and governance baked right in.
Pick your AI client below to get set up. Just create a Vinkius account, subscribe, and you're instantly up and running. We handle the entire backend infrastructure, delivering out-of-the-box support for HTTPS Streamable, SSE, and OAuth2—zero messy routing required.
Choose How to Get Started
Build a custom MCP for your own tools, or connect a ready-made integration from our catalog.
Build Your Own
Turn any API into an MCP. Import a spec, define Agent Skills, or deploy with MCPFusion.
- Import from OpenAPI, Swagger, or YAML specs
- Create Agent Skills with progressive disclosure
- Deploy to edge with MCPFusion framework
- Built in DLP, auth, and compliance on each call
- Real time usage dashboard and cost metering
- Publish to catalog or keep private
Make Your AI Do More
Start with Mercury, then connect any of our 5,200+ other servers whenever your AI needs more. One click, no limits.
- Use this MCP plus 5,200+ others, all in one place
- Add new capabilities to your AI anytime you want
- Connections are secured and governed automatically
- Track usage and costs across all your servers
- Works with Claude, ChatGPT, Cursor, and more
- New servers added to the catalog weekly
Independent Platform Disclaimer: Vinkius is an independent platform and is not affiliated with, endorsed by, sponsored by, verified by, or otherwise authorized by Mercury. All third-party trademarks, logos, and brand names are the property of their respective owners. Their use on this website is strictly for informational purposes to identify service compatibility and interoperability.
VINKIUS CLOUD
Cloud Hosted
Managed infra
V8 Isolated
Sandboxed per request
Zero-Trust Proxy
No stored credentials
DLP Enforced
Policy on each call
GDPR Compliant
EU data residency
Token Compression
~60% cost reduction
The Financial Dashboard Click-Through
Today, getting a full picture of your company's cash requires logging into the Mercury dashboard, clicking between 'Balances,' then 'Transactions,' and finally opening separate pages to check account numbers. You spend five minutes just navigating tabs and applying filters before you even see the data.
With this MCP, you tell your agent what financial view you need. It handles the multi-step process behind the scenes, pulling specific records—like running list_transactions or fetching get_treasury_balance—and handing you a clean, summarized answer in seconds.
Getting Payment Data with Mercury MCP
Manual payment setup involves multiple steps: finding the vendor's details, checking if they are saved as a recipient, and then manually entering their routing numbers into a separate system. This process is slow and prone to human error.
Now, your agent takes over. It checks list_recipients for existing payees, or uses create_recipient if you need to add someone new. You just tell it the vendor name, and it executes the full payment setup lifecycle.
What Mercury MCP does for your AI
Connect your company's finances conversationally. This MCP lets your AI agent handle tasks that used to require logging into the Mercury web portal. You can ask for an instant snapshot of all active account balances or pull transaction records, filtering them by dates or specific amounts right from your development environment.
Need to make a payment? Your agent manages everything from listing existing recipients to creating new ones for ACH and wire transfers. Because this integration is hosted on the Vinkius catalog, you connect once using your preferred AI client—whether that's Cursor, Claude, or Windsurf—and gain access to banking data across multiple systems.
You don't just get data; you execute operations. You can retrieve key account details like routing numbers and also pull full bank statements for auditing purposes.
019d75d2-cfd6-7301-8a79-137c873fa9dd How to set up Mercury MCP
The bottom line is that you tell your agent what financial data or action you need, and it handles the secure connection to Mercury on your behalf.
First, subscribe to the Mercury integration via your Vinkius client connection.
Second, generate an API token from your Mercury dashboard settings. This key authorizes your agent.
Third, prompt your AI agent with a natural language request—like 'What was our spending over $5k last month?'—and it executes the necessary calls.
Who uses Mercury MCP
Anyone who needs quick, reliable access to core company finances without switching between 10 different web tabs. This is for Founders, CFOs, or Ops Engineers who need cash flow visibility immediately.
Needs an instant, conversational summary of the current runway and total cash position during a quick call with investors.
Monitors cross-account cash flow and payment activity across multiple Mercury accounts from a single command line or development environment.
Automates daily balance checks and transaction reconciliation, pulling necessary data directly into an internal dashboard or script.
Benefits of connecting Mercury MCP
Instant Cash Visibility: Instead of logging into a web dashboard, you ask your agent for the 'total cash position' and get an immediate sum across all accounts using list_accounts and get_treasury_balance.
Deep Transaction Filtering: You don't just see a feed; you can prompt the agent to pull transactions above $5k from this month, instantly isolating key expenses via list_transactions.
Payment Workflow Automation: To send money, your agent handles listing payees with list_recipients and creating new ones using create_recipient—all without manual copy-pasting of routing numbers.
Audit Trail Access: Need proof of funds? You can request a full bank statement by calling list_statements, giving you structured data for accounting reports.
Contextual Data Retrieval: Beyond balances, the get_account tool lets your agent fetch crucial metadata like account and routing numbers when building scripts or integrating systems.
Mercury MCP use cases
The Investor Update
A founder needs to know their current cash runway for an investor call. They prompt the agent, and it uses list_accounts to report the total funds instantly, avoiding a stressful switch to the web portal.
Monthly Expense Review
The CFO asks the agent to find all payments over $10,000 in October. The agent runs list_transactions and filters the results, providing an immediate summary of major expenditures for review.
Setting Up a Vendor Payment
The Ops Engineer needs to pay a new vendor. Instead of manually finding their details, they ask the agent to create_recipient, and it handles gathering and saving all necessary ACH information.
Debugging Financial Code
A developer needs to verify the account number for a payment script. They use get_account to pull the exact metadata needed, ensuring their code uses the correct financial identifiers.
Mercury MCP tradeoffs
What to watch out for, and the recommended way to handle each one.
Manual Dashboard Diving
A user has to log into Mercury, navigate to 'Transactions,' apply date filters, and then manually calculate a total sum of payments for their report.
You simply ask your agent to list_transactions filtered by the date range. The tool executes the query and provides the data set or summary total instantly.
Copying Account Details
A team member has to find the correct routing number for a payment, navigate deep into settings, and manually copy-paste it into a spreadsheet.
You let your agent use get_account to pull the necessary account metadata directly, ensuring perfect accuracy in your records.
Sending Payments Blindly
Attempting to send money without first confirming that the recipient exists and has valid payment details.
First, use list_recipients to check the saved payees. If the payee is new, you must run create_recipient before sending any funds.
When to use Mercury MCP
Use this MCP if your workflow requires real-time access to structured financial data—things like current balances (list_accounts), transaction history (list_transactions), or payment metadata. It is essential for building automated compliance checks, cash flow models, or internal auditing tools that need source truth from the bank.
Don't use this if your core task is general document storage, project management, or writing marketing copy. If you only need to retrieve a generic text document (like an invoice PDF), there are better file-storage connectors. This MCP is purely for operational banking data access and executing financial commands.
Frequently asked questions about Mercury MCP
Can Mercury MCP only read data, or can I send money? +
You can do both. This MCP allows your agent to list payments using list_payments, but it also lets you execute payment actions by listing and creating recipients.
Which tool should I use for a general balance check with Mercury MCP? +
Use get_treasury_balance or list_accounts. These tools give you an immediate, comprehensive overview of the total cash available across all your linked accounts.
How do I find out what transactions occurred last quarter using Mercury MCP? +
You use list_transactions and provide date filters in your prompt. The agent pulls only those records, saving you from scrolling through pages of data.
Is there a way to get account metadata besides the balance via Mercury MCP? +
Yes, the get_account tool specifically retrieves crucial details like routing numbers and general bank account metadata that your code might need.
Do I have to manually update my API key every time I use Mercury MCP? +
No. Once you subscribe via Vinkius, the connection is managed securely through an established token process, allowing continuous data access without constant manual intervention.
How do I get my Mercury API token? +
Log in to your Mercury account at app.mercury.com. Go to Settings → API Tokens and click Create Token. Choose the token type (Read Only for balance checks, or Read and Write for managing recipients). Copy the token immediately — it will only be shown once. Paste it into the configuration field below, and you're ready. No code, no SDK, no webhooks.
Can my AI agent check my startup's runway instantly during a board meeting? +
Absolutely. Just ask your AI agent 'What's my current balance across all Mercury accounts?' and it returns real-time balances for every account — checking, savings, and treasury — in seconds. No tab-switching, no logging in, no waiting for the dashboard to load.
What if I need to review recent transactions for month-end close? +
Ask your AI agent to pull transactions from any date range. It retrieves each transaction with amount, counterparty, status, and date — perfect for reconciliation. You can filter by account, ask for Wire vs ACH breakdowns, or request only transactions above a specific threshold, all without exporting CSVs.
Is this suitable for companies with multiple Mercury accounts? +
Yes. The integration retrieves data across all accounts linked to your API token — operating accounts, savings accounts, and treasury balances. Perfect for venture-backed startups managing multiple entities, holding companies, or finance teams tracking cash positions across subsidiaries.