Mercury

Drive the product through a documented public API G

Agent access

Connect an agent via an official MCP server G

Agent access

Delegate tasks to a built-in AI assistant inside the product G

Agentic features

Plug MCP servers into this product so it can use their tools G

Agent access

Use an official CLI G

Agent access

Explore an interactive API reference with runnable examples G

Api quality

Issue scoped/least-privilege API credentials for an agent G

Agent access

Point an agent at llms.txt or agent-oriented docs G

Agent access

Run the product headlessly / in CI for automation G

Agent access

Operate the product with natural-language commands G

Agentic features

Subscribe to events via webhooks G

Agent access

Rely on versioned APIs with a documented deprecation policy G

Api quality

Build against official SDKs G

Agent access

Get AI-generated insights and suggestions from my data inside the product G

Agentic features

Set up automations that run autonomously in the background G

Agentic features

Download a machine-readable API spec (OpenAPI or equivalent) G

Api quality

Test against a sandbox environment without touching production data G

Api quality

Instantly create virtual cards scoped to a specific purpose like ad spend or a single vendor C

Card issuance

Set per-card spend limits and granular controls for each employee C

Card controls

Earn yield on operating cash balances without moving funds to a separate institution C

Yield generation

Send domestic ACH and wire payments to vendors C

Money movement

Upload bills and route them through an approval workflow before paying vendors C

Bill pay

Have AI read incoming bills and auto-populate payment details for my review C

Bill pay

Have receipts automatically captured and coded the moment a card is used, without manual entry C

Receipt management

Sync transactions and expenses automatically with my accounting software C

Erp sync

Define granular user roles and permissions across team members, locations, and departments G

Access control

Define rules that trigger actions automatically on events G

Export all of my data in open formats and leave G

Rely on real-time bidirectional sync with my ERP instead of manual journal entries C

Erp sync

Have AI automatically assign GL codes to transactions across entities to accelerate close C

Close automation

Send international payments in local currencies with transparent fees C

Money movement

Prevent my data from being used to train AI models G

Self-host the core product G

Earn automatic cashback on card spend without manual redemption steps C

Card rewards

Have receipts automatically attached to the right transaction by emailing or uploading them C

Receipt management

Replace multiple point solutions for spend, bill pay, and banking with one consolidated platform C

Switching

Set up approval permissions so designated teammates can approve and send payments with one click C

Bill pay

Create and send branded invoices with built-in payment collection C

Invoicing

Do everything through the API that I can do in the UI G

Open multiple checking sub-accounts and auto-allocate incoming deposits across them C

Account structure

Use AI automations to close my books faster each month C

Close automation

Build a cash cushion in a high-yield savings sub-account with automated transfer rules C

Yield generation

Fully onboard onto a new banking platform in about a week instead of months C

Switching

Issue physical debit or credit cards to employees with defined roles C

Card issuance

Perform bulk operations across many items at once G

Set department or program budgets with automatically enforced spend limits C

Card controls

Automate cash management with auto top-up between accounts and low-balance alerts C

Cash automation

Have vendor invoices automatically matched to purchase orders, coded, and routed for payment C

Bill pay

Have AI flag anomalous or out-of-policy transactions automatically for review C

Fraud detection

Instantly freeze a lost or stolen card and order a replacement C

Card controls

Schedule recurring jobs or workflows G

Control data retention and deletion G

Have vendor contracts parsed by AI to auto-populate procurement request forms C

Procurement automation

Hold and manage balances in multiple currencies from one account C

Multi currency

Receive payments using local account details in multiple currencies C

Multi currency

Send money abroad that arrives in under a minute C

Money movement

Choose where my data is stored (region/residency) G

Have deposits automatically swept across partner banks to maximize FDIC insurance coverage C

Deposit protection

Opt out of telemetry and usage tracking G

Reach live customer support at any time for urgent account issues G

Customer support

Read the product's source under an open license G

See the exact delivery estimate for an ACH or wire transfer before confirming it C

Payment transparency

View and manage accounting data through a dedicated API C

Developer accounting access

Search across all transactions, vendors, and cards from one universal search bar and jump straight into initiating a payment C

Operational efficiency

Request a transaction limit increase directly from a self-service screen C

Card controls

Check my account application status while it's under review C

Signup flow

Earn interest on balances held in multiple currencies C

Yield generation

Have overdue invoices automatically followed up on without manual chasing C

Invoicing

Offer embedded banking accounts to my customers without holding my own financial license C

Embedded finance

Have booked travel rates automatically monitored and rebooked when prices drop C

Procurement automation

Lock in an exchange rate for a fixed window before completing a transfer C

Money movement

Spend and withdraw cash abroad on a company card without hidden foreign fees C

Card rewards

Version, review, and roll back my automations G

View account and routing numbers and generate a bank verification letter anytime C

Account structure