Agent-Skills.md

Agent Skills: Mercury Banking API

Mercury API for banking. Use when user mentions "Mercury", "business

UncategorizedID: vm0-ai/vm0-skills/mercury

Repository

vm0-ai/vm0-skills
vm0-ai
508

Install this agent skill to your local

pnpm dlx add-skill https://github.com/vm0-ai/vm0-skills/tree/HEAD/mercury

Skill Files

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mercury/SKILL.md

Skill Metadata

Name
mercury
Description
Mercury API for banking. Use when user mentions "Mercury", "business

Mercury Banking API

Manage business bank accounts, transactions, transfers, and financial operations via Mercury's REST API.

Official docs: https://docs.mercury.com/reference/getaccount

When to Use

Use this skill when you need to:

  • View account balances and details
  • List and search transactions
  • Create internal transfers between accounts
  • Manage recipients for external transfers
  • Download account statements
  • Access treasury account information

Prerequisites

  1. Sign up for a Mercury business bank account at https://mercury.com
  2. Go to Settings > Developers > API Tokens
  3. Create a new API token with appropriate permissions

Set environment variable:

export MERCURY_TOKEN="your-api-token"

Accounts

List All Accounts

curl -s "https://api.mercury.com/api/v1/accounts" --header "Authorization: Bearer $MERCURY_TOKEN"

Get Account by ID

Replace <your-account-id> with the actual account ID:

curl -s "https://api.mercury.com/api/v1/account/<your-account-id>" --header "Authorization: Bearer $MERCURY_TOKEN"

Get Account Cards

Replace <your-account-id> with the actual account ID:

curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/cards" --header "Authorization: Bearer $MERCURY_TOKEN"

Transactions

List Account Transactions

Replace <your-account-id> with the actual account ID:

curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/transactions" --header "Authorization: Bearer $MERCURY_TOKEN"

List Transactions with Filters

Filter by date range, status, or limit. Replace <your-account-id> with the actual account ID:

curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/transactions?limit=50&start=2024-01-01&end=2024-12-31" --header "Authorization: Bearer $MERCURY_TOKEN"

Get Transaction by ID

Replace <your-account-id> and <your-transaction-id> with the actual IDs:

curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/transaction/<your-transaction-id>" --header "Authorization: Bearer $MERCURY_TOKEN"

Transfers

Create Internal Transfer

Transfer funds between your Mercury accounts.

Write to /tmp/mercury_request.json:

{
  "toAccountId": "target-account-id",
  "amount": 100.00,
  "note": "Internal transfer"
}

Then run. Replace <your-account-id> with the actual account ID:

curl -s -X POST "https://api.mercury.com/api/v1/account/<your-account-id>/internal-transfer" --header "Authorization: Bearer $MERCURY_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json

Send Money Request

Initiate a money transfer request.

Write to /tmp/mercury_request.json:

{
  "recipientId": "recipient-id",
  "amount": 100.00,
  "paymentMethod": "ach",
  "idempotencyKey": "unique-key-123"
}

Then run. Replace <your-account-id> with the actual account ID:

curl -s -X POST "https://api.mercury.com/api/v1/account/<your-account-id>/send-money" --header "Authorization: Bearer $MERCURY_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json

Get Send Money Request Status

Replace <your-request-id> with the actual request ID:

curl -s "https://api.mercury.com/api/v1/request-send-money/<your-request-id>" --header "Authorization: Bearer $MERCURY_TOKEN"

Recipients

List All Recipients

curl -s "https://api.mercury.com/api/v1/recipients" --header "Authorization: Bearer $MERCURY_TOKEN"

Get Recipient by ID

Replace <your-recipient-id> with the actual recipient ID:

curl -s "https://api.mercury.com/api/v1/recipient/<your-recipient-id>" --header "Authorization: Bearer $MERCURY_TOKEN"

Create Recipient

Write to /tmp/mercury_request.json:

{
  "name": "Vendor Name",
  "emails": ["vendor@example.com"],
  "paymentMethod": "ach",
  "electronicRoutingInfo": {
    "accountNumber": "123456789",
    "routingNumber": "021000021",
    "bankName": "Example Bank",
    "electronicAccountType": "businessChecking"
  }
}

Then run:

curl -s -X POST "https://api.mercury.com/api/v1/recipients" --header "Authorization: Bearer $MERCURY_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json

Statements

List Account Statements

Replace <your-account-id> with the actual account ID:

curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/statements" --header "Authorization: Bearer $MERCURY_TOKEN"

Download Statement PDF

Replace <your-account-id> and <your-statement-id> with the actual IDs:

curl -s "https://api.mercury.com/api/v1/account/<your-account-id>/statement/<your-statement-id>/pdf" --header "Authorization: Bearer $MERCURY_TOKEN" > statement.pdf

Organization

Get Organization Info

curl -s "https://api.mercury.com/api/v1/organization" --header "Authorization: Bearer $MERCURY_TOKEN"

Treasury

List Treasury Accounts

curl -s "https://api.mercury.com/api/v1/treasury" --header "Authorization: Bearer $MERCURY_TOKEN"

Get Treasury Account by ID

Replace <your-treasury-id> with the actual treasury ID:

curl -s "https://api.mercury.com/api/v1/treasury/<your-treasury-id>" --header "Authorization: Bearer $MERCURY_TOKEN"

List Treasury Transactions

Replace <your-treasury-id> with the actual treasury ID:

curl -s "https://api.mercury.com/api/v1/treasury/<your-treasury-id>/transactions" --header "Authorization: Bearer $MERCURY_TOKEN"

Users

List Users

curl -s "https://api.mercury.com/api/v1/users" --header "Authorization: Bearer $MERCURY_TOKEN"

Credit

List Credit Accounts

curl -s "https://api.mercury.com/api/v1/credit" --header "Authorization: Bearer $MERCURY_TOKEN"

Accounts Receivable

List Customers

curl -s "https://api.mercury.com/api/v1/accounts-receivable/customers" --header "Authorization: Bearer $MERCURY_TOKEN"

Create Customer

Write to /tmp/mercury_request.json:

{
  "name": "Customer Name",
  "email": "customer@example.com"
}

Then run:

curl -s -X POST "https://api.mercury.com/api/v1/accounts-receivable/customers" --header "Authorization: Bearer $MERCURY_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json

List Invoices

curl -s "https://api.mercury.com/api/v1/accounts-receivable/invoices" --header "Authorization: Bearer $MERCURY_TOKEN"

Create Invoice

Write to /tmp/mercury_request.json:

{
  "customerId": "customer-id",
  "lineItems": [{"description": "Service", "amount": 500.00}],
  "dueDate": "2024-12-31"
}

Then run:

curl -s -X POST "https://api.mercury.com/api/v1/accounts-receivable/invoices" --header "Authorization: Bearer $MERCURY_TOKEN" --header "Content-Type: application/json" -d @/tmp/mercury_request.json

Download Invoice PDF

Replace <your-invoice-id> with the actual invoice ID:

curl -s "https://api.mercury.com/api/v1/accounts-receivable/invoice/<your-invoice-id>/pdf" --header "Authorization: Bearer $MERCURY_TOKEN" > invoice.pdf

Guidelines

  1. Rate Limits: Mercury may enforce rate limits; implement appropriate backoff strategies for high-volume operations
  2. Idempotency: Use idempotencyKey for transfer operations to prevent duplicate transactions
  3. Security: Never expose API tokens in logs or client-side code
  4. Amounts: All monetary amounts are typically in USD and represented as decimal numbers
  5. Pagination: For large result sets, use limit and offset parameters where supported

API Reference

  • Documentation: https://docs.mercury.com/reference/getaccount
  • Dashboard: https://dashboard.mercury.com
Mercury Banking API Skill | Agent Skills