SKILL.md

name: mercury-api description: Mercury Bank API reference for accounts, transactions, and recipients. Use when working with Mercury API integration, transaction queries, or payment operations. allowed-tools: Read, Grep, Glob, Edit, Write, Bash

Mercury API Reference

Mercury Bank API reference for the finance_plugins project.

When to Use This Skill

Creating Mercury tool plugins
Querying accounts and transactions
Implementing payment operations
Setting up Mercury OAuth/API Token auth

API Overview

Type	Permission	Use Case	Auth
Mercury MCP	Read-only	AI tools, monitoring	OAuth2
Mercury API	Read/Write	Payments, transfers	API Token / OAuth2

Environments

Environment	Base URL
Production	`https://api.mercury.com`
Sandbox	`https://sandbox.mercury.com`

Authentication

API Token

headers = {
    "Authorization": f"Bearer {api_token}",
    "Accept": "application/json;charset=utf-8"
}

OAuth2

Authorization URL: https://mercury.com/oauth/authorize
Token URL: https://api.mercury.com/oauth/token
Scopes: read, write

Key Endpoints

Accounts

Method	Endpoint	Description
`GET`	`/api/v1/accounts`	List all accounts
`GET`	`/api/v1/account/{id}`	Get account details
`GET`	`/api/v1/account/{id}/cards`	Get account cards
`GET`	`/api/v1/account/{id}/statements`	Get statements

Transactions

Method	Endpoint	Description
`GET`	`/api/v1/transactions`	List all transactions
`GET`	`/api/v1/account/{id}/transactions`	Account transactions
`GET`	`/api/v1/account/{id}/transaction/{txnId}`	Transaction details
`POST`	`/api/v1/account/{id}/transactions`	Create transaction
`PATCH`	`/api/v1/transaction/{id}`	Update transaction

Query Parameters (Transactions)

Param	Type	Description
`limit`	integer	Result limit
`offset`	integer	Pagination offset
`start`	string	Start date (YYYY-MM-DD)
`end`	string	End date (YYYY-MM-DD)
`status`	string	Status filter
`search`	string	Search keyword

Recipients

Method	Endpoint	Description
`GET`	`/api/v1/recipients`	List recipients
`GET`	`/api/v1/recipient/{id}`	Get recipient
`POST`	`/api/v1/recipients`	Create recipient
`DELETE`	`/api/v1/recipient/{id}`	Delete recipient

Webhooks

Method	Endpoint	Description
`GET`	`/api/v1/webhooks`	List webhooks
`POST`	`/api/v1/webhooks`	Create webhook
`DELETE`	`/api/v1/webhook/{id}`	Delete webhook

Response Structures

Account

{
  "id": "uuid",
  "accountNumber": "string",
  "routingNumber": "string",
  "name": "string",
  "kind": "string",
  "type": "mercury | external | recipient",
  "status": "active | deleted | pending | archived",
  "currentBalance": 0,
  "availableBalance": 0,
  "createdAt": "2025-01-01T00:00:00Z"
}

Transaction

{
  "id": "uuid",
  "amount": -150.00,
  "status": "pending | sent | completed | failed",
  "counterpartyName": "Vendor Name",
  "postedAt": "2025-01-01T00:00:00Z",
  "note": "string",
  "mercuryCategory": "string"
}

Current Plugin Coverage

mercury_tools_plugin (Implemented)

get_accounts - List accounts
get_account - Get account details
get_transactions - Query transactions

Planned Features

Feature	Priority	Endpoint
Create payment	High	`POST /account/{id}/transactions`
Internal transfer	Medium	`POST /transfer`
Manage recipients	Medium	Recipients CRUD
Account cards	Low	`GET /account/{id}/cards`

Reference

Full docs: mercury_tools_plugin/docs/Mercury_MCP_API_Reference.md
Mercury API Docs
Sandbox Guide

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