Mercury
Free tierOnline business banking built for startups, small businesses, and scaling companies
Free tier available·All audiences·API available
Key strengths
AI-powered financial automation via CommandZero-fee USD payments and no account minimumsUp to $5M FDIC insurance via partner sweep networksInstant business credit cards with 1.5% cashbackSeamless accounting sync with QuickBooks, Xero, and NetSuite
Free tier + paid plans
San Francisco, USA
Founded 2017
No ratings yet
Mercury API & Developer Setup
Mercury exposes a REST API (Mercury API) for programmatic access to account data, transactions, and payments. This enables finance teams and developers to build custom integrations, automate reconciliation, and embed banking operations into internal tooling.
Key Capabilities
- Account data — Query balances, account details, and transaction history programmatically.
- Payments — Initiate ACH transfers and USD wires ($0 fee) via API calls.
- Webhooks — Subscribe to transaction and account events for real-time financial automation.
- Accounting integrations — Native sync with QuickBooks, Xero, and NetSuite; API enables custom ERP connections.
AI & Automation Layer
- Command — Mercury's AI that reads bills, populates payment details, categorizes transactions, and learns from past behavior to reduce manual finance ops.
- Insights — AI-driven analytics for cash flow visibility and spend patterns.
- Accounting Automations — Rule-based + AI-powered transaction categorization, approval flows, and automated transfers.
Authentication
Mercury API uses API key-based authentication. Developers can generate keys from the Mercury dashboard under Settings → API.
curl https://api.mercury.com/api/v1/accounts \
-H "Authorization: Bearer YOUR_API_KEY"
Refer to the Mercury API docs and the Help Center for full endpoint references and rate limits.