Mercury MCP Server

Official provider-hosted MCP server for read-only access to Mercury business banking accounts, including balances, transactions, cards, recipients, and treasury data.

Payments by Mercury OAuth2 active

Connect (Remote Server) Docs

Overview

Mercury MCP is an officially hosted Model Context Protocol server from Mercury, the business banking platform. It lets AI assistants like Claude, ChatGPT, and Google AI Studio securely read account, transaction, card, recipient, and treasury data from a connected Mercury organization. Authentication uses OAuth 2.0 with time-limited tokens, and access is strictly read-only so the assistant cannot move money or change account state.

The server exposes around a dozen tools covering account lookups, monthly statement retrieval, paginated transaction listing with filtering by date range and status, card and recipient information, custom expense categories, treasury accounts, and organization-level metadata. This makes it useful for natural-language reporting and analysis on top of a Mercury account without giving an AI agent any write permissions.

Because it is hosted by Mercury directly, there is no package to install or repo to clone. MCP-compatible clients connect to the URL https://mcp.mercury.com/mcp and complete an OAuth flow. The service is currently in Beta and supports Dynamic Client Registration for custom integrations.

Tools

Tool	Description
`getAccount`	Retrieve details of a specific Mercury account using its account ID.
`getAccounts`	Fetch all Mercury accounts within the authenticated organization.
`getAccountCards`	Retrieve all debit and credit cards associated with a specific account.
`getAccountStatements`	Retrieve monthly statements for a specific account, with optional date range filtering.
`getTransaction`	Retrieve details of a specific transaction using account ID and transaction ID.
`listTransactions`	Retrieve transactions with advanced filtering by date ranges, status, categories, and cursor-based pagination.
`listCategories`	Retrieve a list of all available custom expense categories for the organization.
`listCredit`	Access all credit accounts for the organization.
`getOrganization`	Obtain company-level information and business details for the authenticated organization.
`getRecipient`	Retrieve a specific payment recipient by ID.
`getRecipients`	Retrieve a list of all payment recipients.
`getTreasury`	Retrieve all treasury accounts associated with the authenticated organization.
`getTreasuryTransactions`	Access paginated transaction history for treasury accounts.

Setup Guide

Mercury MCP is provider-hosted. There is nothing to install. You point your MCP client at the Mercury endpoint and complete an OAuth login.

Server URL

https://mcp.mercury.com/mcp

Claude (Desktop or web) via Custom Connector

Open Claude settings and go to Connectors.
Add a custom MCP connection.
Enter the URL https://mcp.mercury.com/mcp.
Start a chat that touches Mercury data. Claude will trigger the OAuth flow to your Mercury account.
Sessions remain valid for roughly 3 days before re-authentication is required.

ChatGPT

Go to Apps and Connectors in ChatGPT settings.
Add a custom MCP and paste https://mcp.mercury.com/mcp.
Complete the OAuth login when first prompted.

Generic MCP client config (Streamable HTTP)

{
  "mcpServers": {
    "mercury": {
      "url": "https://mcp.mercury.com/mcp"
    }
  }
}

Dynamic Client Registration (custom apps)

Custom clients can register via POST to https://mcp.mercury.com/register with a JSON body containing redirect_uris and client_name. The response returns client_id and client_secret for the OAuth 2.0 flow.

Prerequisites

An active Mercury business banking account.
The Mercury MCP feature is currently in Beta; ensure your organization has it enabled.
Access is read-only; no API key is required.

Use Cases

Ask natural-language questions like "What is my current Mercury balance across all accounts?" without leaving the AI assistant.
Generate monthly spend summaries by pulling listTransactions with date filters and grouping by category.
Reconcile bookkeeping by exporting recent transactions and matching them against accounting categories from listCategories.
Audit issued cards and active recipients before a finance review using getAccountCards and getRecipients.
Track treasury yield and movement by querying getTreasury and getTreasuryTransactions over a reporting period.

Example Prompts

"Show me my total Mercury balance and break it down by account."
"List all Mercury transactions over $1,000 in the last 30 days, grouped by category."
"Download my latest monthly statement for the primary checking account."
"Who are my top 10 payment recipients by volume in Q1?"
"Summarize treasury account activity and yield for the last quarter."

Pros

Official, hosted, and maintained by Mercury, so no self-hosting or key management.
OAuth 2.0 with short-lived tokens and strict read-only scopes for safer AI access to banking data.
Broad coverage of accounts, transactions, statements, cards, recipients, and treasury in one server.
One-click connector flow for Claude, ChatGPT, and Google AI Studio.

Limitations

Read-only: cannot initiate transfers, issue cards, or modify recipients.
Currently in Beta, so behavior and tool surface may change.
No self-hosted option; you must use Mercury's hosted endpoint, and sessions expire after roughly 3 days.

Alternatives

Stripe MCP server for payments and financial data on the Stripe platform.
Plaid-based community MCP servers for multi-bank read access.
Community-built Mercury MCP implementations such as dragonkhoi/mercury-mcp and jbdamask/mcp-mercury-banking on GitHub for self-hosted setups.