What is Mercury?
Mercury is a fintech company, not a bank. Its site states that banking services are provided through Choice Financial Group and Column N.A., Members FDIC, and that FDIC insurance of up to $5M is available through its partner banks and their sweep networks. Mercury offers business checking and savings accounts with no monthly fee, and describes products for cards, payments and invoicing, and capital.
Cards and spend management let teams issue cards instantly and control team and agent spend. Payments and invoicing let you send payments, create invoices and sync accounting tools.
The Mercury API lets you access all of your accounts and their transaction histories or make payments to existing recipients, and the documentation covers a sandbox for testing and a Model Context Protocol (MCP) server. These tools suit businesses that want to build admin tools or automate finance processes previously done by hand. Eligibility and fees depend on the account terms.
Key capabilities
- Accounts Business checking and savings
- Cards Issue cards instantly and control spend
- Payments and invoicing Send payments and create invoices
- Accounting sync Accounting tool integrations
- API Read accounts and transactions, pay existing recipients
- Sandbox and MCP A test sandbox and an MCP server
Where Mercury fits
- Banking Checking, savings and capital products through partner banks
- Spend Cards and spend management
- Payments Payments, invoicing and accounting integrations
- Developer access API with a sandbox
- Insurance FDIC coverage through partner bank sweep networks
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