How do AI agents use Mercury through Open Connector?

Your user connects Mercury once with one of its cataloged authentication methods. Open Connector stores the credential in an encrypted vault and exposes Mercury tools to your agent over MCP or a typed API, with credentials injected server-side on each call.

Is this a Mercury MCP server?

Yes. Open Connector can serve Mercury as a named MCP server with a scoped allowlist and a per-user connection URL, so any MCP client can call Mercury actions with credentials injected server-side.

Where do Mercury credentials live?

In your own infrastructure. Open Connector keeps credentials in its own vault and injects them at call time, so they never leave your environment.

Mercury integration

Mercury integration for AI agents.

Mercury integration for AI agents with secure authentication and server-side credential injection. Open Connector runs the OAuth, seals the token in an encrypted vault, and serves Mercury tools to your agent over MCP or a typed API — credentials injected server-side, every call audited, nothing leaving your infrastructure. Open source (AGPL-3.0) and self-hostable.

View source on GitHub All integrations →

What your agents can do

Real Mercury actions, managed and audited.

Your user connects Mercury once; your agent can then access business banking accounts, transactions, payments, cards, invoices, and related financial data — scoped to the OAuth permissions you grant and the tool allowlist you configure. Every action is least-privilege and written to a tamper-evident audit trail.

1
Your user grants Mercury access once (OAuth) — the token lands in the vault.
2
Your agent calls a tool over MCP or the typed API; Open Connector injects the credential server-side.
3
Every routed call appends a hash-chained audit record — nothing leaves your infra.

Tools & triggers

Supported Mercury tools.

91 tools are generated from the published Mercury catalog. Descriptions are plain text; each action remains subject to its configured authentication and tool allowlist.

Showing 91 tools. All published catalog entries are included in this page's server-rendered HTML.

Approve a reimbursement: Approve a submitted reimbursement. Payout is a separate, scheduled sweep; poll the payment status.; Reimbursements
Cancel a card: Permanently cancel a card. This action cannot be undone.; Cards
Cancel an invoice: Cancel an invoice. This action cannot be undone.; Invoices
Cancel a reimbursement: Cancel a reimbursement that is still in review.; Reimbursements
Create a card: Issue a new virtual card.; Cards
Create a new category: Create a new custom expense category for the organization.; Categories
Create a customer: Create a new customer for the organization; Customers
Create an internal transfer: Transfer funds between two accounts within the same organization. Supports transfers between depository accounts (checking/savings), from a depository account to a treasury/investment account, and from a treasury/investment account to a depository account. Creates paired debit and credit transactions.; Accounts
Create an invoice: Create a new invoice for the organization; Invoices
Add a new recipient: Create a new recipient for making payments; Recipients
Create a recipient invite: Create an invite for a recipient to submit their payment details. Supply a recipientId to invite an existing recipient; omit it to invite someone new, in which case the recipient is created when the invitee completes onboarding.; Recipient Invites
Create a reimbursement: Submit a new reimbursement on behalf of the organization. Returns the new reimbursement id.; Reimbursements
Send money to a recipient: Send money from an account to a recipient. Creates a transaction that will be processed immediately or may require approval.; Accounts
Create a new webhook endpoint: Register a new webhook endpoint to receive event notifications; Webhooks
Delete a Chart of Accounts Template: Delete a specific Chart of Accounts template.; Books
Delete a Ledger Template: Delete an existing ledger within an agent-owned Chart of Accounts template.; Books
Bulk delete journal entries: Bulk delete journal entries; Books
Delete a category: Delete a custom expense category for the organization.; Categories
Delete a customer: Delete a customer. This action cannot be undone.; Customers
Delete a recipient: Delete a specific recipient by ID. Fails if the recipient is blocked by scheduled payments, pending approvals, or active ACH authorizations.; Recipients
Delete a recipient invite: Delete an active recipient invite.; Recipient Invites
Delete a webhook endpoint: Delete a webhook endpoint; Webhooks
Deny a reimbursement: Deny a submitted reimbursement. The reason is recorded as a reviewer comment.; Reimbursements
Edit a category: Update an existing custom expense category for the organization.; Categories
Freeze a card: Temporarily freeze a card. The card must be active.; Cards
Get account by ID: Get account by ID; Accounts
Get cards for account: Retrieve all debit and credit cards associated with a specific account.; Accounts
Get account statements: Retrieve a paginated list of monthly statements for a specific account. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters, as well as date range filtering with start and end parameters.; Accounts
Get all accounts: Retrieve a paginated list of accounts. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters.; Accounts
Get an attachment: Retrieve attachment details including download URL; Invoices
Retrieve a Chart of Accounts Template: Retrieve details of a specific Chart of Accounts template.; Books
List all Chart of Accounts Templates: Retrieve a paginated list of all default and agent-owned Chart of Accounts templates. These templates can be used when creating new Books instances for clients.; Books
List all journal entries: List all journal entries; Books
Retrieve a Journal Entry: Retrieve a Journal Entry; Books
Get a card: Retrieve details of a specific card by its ID.; Cards
Get a customer: Retrieve details of a specific customer by their ID; Customers
Get event by ID: Get event by ID; Events
Get all events: Get all events; Events
Get an invoice: Retrieve details of an invoice by its ID; Invoices
Download invoice PDF: Downloads a PDF file for the specified invoice. The response includes a Content-Disposition header set to 'attachment' with the filename.; Invoices
Get organization information: Retrieve information about your organization including EIN, legal business name, and DBAs.; Organization
Get recipient by ID: Retrieve details of a specific recipient by ID; Recipients
Get recipient invite by ID: Retrieve details of a specific recipient invite by ID.; Recipient Invites
Get all recipients: Retrieve a paginated list of all recipients. Use cursor parameters (start_after, end_before) for pagination.; Recipients
Get a reimbursement: Retrieve details of a specific reimbursement by its id, including its review and payment status.; Reimbursements
Get SAFE by ID: Retrieve a specific SAFE request by its ID.; SAFEs
Download SAFE document: Download the PDF document for a specific SAFE request. Returns binary PDF data with a Content-Disposition header.; SAFEs
Get all SAFEs: Retrieve all SAFE (Simple Agreement for Future Equity) requests for your organization.; SAFEs
Get send money approval request by ID: Get send money approval request by ID; Send Money
Download account statement PDF: Downloads a PDF file for the specified account statement. The response includes a Content-Disposition header for proper file download handling. Returns binary PDF data.; Statements
Get transaction by ID: Get transaction by ID; Accounts
Get a transaction by ID: Retrieve a single transaction by its ID. Returns full transaction details including attachments, check images, and related metadata.; Transactions
Get all treasury accounts: Retrieve a paginated list of all treasury accounts associated with the authenticated organization. Use cursor parameters (start_after, end_before) for pagination.; Treasury
Get treasury account statements: Retrieve a paginated list of statements for a specific treasury account. Supports cursor-based pagination and filtering by document type.; Treasury
Get treasury transactions: Retrieve paginated treasury transactions for a specific treasury account.; Treasury
Get user by ID: Get user by ID; Users
Get all users: Get all users; Users
Get webhook endpoint by ID: Retrieve details of a specific webhook endpoint by ID; Webhooks
Get webhook endpoints: Retrieve a paginated list of all webhook endpoints for your organization. Supports filtering by status.; Webhooks
List account transactions: Retrieve a paginated list of transactions for a specific account. Supports filtering by date range, status, and search terms.; Accounts
List cards: Retrieve a paginated list of cards.; Cards
List all categories: Retrieve a paginated list of all available custom expense categories for the organization. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters.; Categories
List all credit accounts: Retrieve a list of all credit accounts for the organization.; Credit
List all customers: Retrieve a paginated list of customers. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters.; Customers
List invoice attachments: Retrieve a list of all attachments for a specific invoice; Invoices
List all invoices: Retrieve a paginated list of invoices. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters.; Invoices
List merchants: Retrieve a paginated list of priority merchants that can be used for spend controls like merchant locking. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters, plus an optional case-insensitive search by merchant name.; Merchants
List recipient invites: Retrieve a paginated list of all recipient invites for your organization. Supports filtering by status.; Recipient Invites
List all recipient attachments: Retrieve a paginated list of all recipient tax form attachments across all recipients in the organization. Use cursor parameters (start_after, end_before) for pagination.; Recipients
List reimbursements: Retrieve a paginated list of reimbursements for the organization, newest first. Supports cursor-based pagination with limit, order, start_after, and end_before query parameters.; Reimbursements
List send money approval requests: Retrieve a paginated list of send money approval requests for the authenticated organization. Supports filtering by account and status.; Send Money
List all transactions: Retrieve a paginated list of all transactions across all accounts. Supports advanced filtering by date ranges, status, categories, and cursor-based pagination.; Transactions
Create a Chart of Accounts Template: Create a new agent-owned Chart of Accounts template. These templates can be used when creating new Books instances for clients.; Books
Create a Ledger Template: Create a new ledger within an agent-owned Chart of Accounts template.; Books
Create multiple Journal Entries: Create multiple Journal Entries; Books
Update a Ledger Template: Update an existing ledger within an agent-owned Chart of Accounts template.; Books
Bulk update journal entries: Bulk update journal entries; Books
Request to send money: Create a "request to send money" that will require approval based on your organization's approval policies.; Accounts
Reveal card details: Retrieve the full card number, expiration date, and CVC for a card. Available for agentic cards only.; Vault
Submit onboarding data: Submit onboarding data for applicants to pre-fill their Mercury application; Onboarding
Unfreeze a card: Unfreeze a previously frozen card, restoring it to active status.; Cards
Update a card: Update a card's nickname or spending limits.; Cards
Update a customer: Update an existing customer; Customers
Update an invoice: Update an existing invoice; Invoices
Edit information about a specific recipient: Update an existing recipient's information; Recipients
Update a reimbursement: Replace the fields of an existing reimbursement. Only reimbursements still in review can be edited.; Reimbursements
Update transaction metadata: Update the note and/or category of an existing transaction. Use null values to clear existing data.; Transactions
Update an existing webhook endpoint: Update the configuration of an existing webhook endpoint. A webhook that has been disabled due to consecutive delivery failures can be reactivated by setting its status to 'active'.; Webhooks
Upload a recipient attachment: Upload a tax form attachment for a recipient. The file is uploaded via multipart/form-data. Supported file types include PDF, images (PNG, JPG, GIF), and common document formats. The attachment will be associated as a tax document for the recipient.; Recipients
Upload a transaction attachment: Upload a file attachment to a transaction. The file is uploaded via multipart/form-data. Supported file types include PDF, images (PNG, JPG, GIF), and common document formats.; Transactions
Verify a webhook endpoint: Send a test event to verify the webhook endpoint is properly configured and reachable. The request body accepts an optional 'eventType' field to specify which event type to test (e.g., 'transaction.created', 'transaction.updated'). If omitted from the request body, defaults to 'transaction.created'.; Webhooks

FAQ

Mercury integration, answered

How do AI agents use Mercury through Open Connector?: Your user connects Mercury once with one of its cataloged authentication methods. Open Connector stores the credential in an encrypted vault and exposes Mercury tools to your agent over MCP or a typed API, with credentials injected server-side on each call.
Is this a Mercury MCP server?: Yes. Open Connector can serve Mercury as a named MCP server with a scoped allowlist and a per-user connection URL, so any MCP client can call Mercury actions with credentials injected server-side.
Where do Mercury credentials live?: In your own infrastructure. Open Connector keeps credentials in its own vault and injects them at call time, so they never leave your environment.

Give your agents Mercury — keep the keys.

Open source, self-hostable, with Mercury credentials that never leave your infrastructure. Run it from source today.

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