Model Context Protocol

Mercury MCP Server

Managed Model Context Protocol for Mercury Banking

Connect your AI agents to Mercury. This managed MCP server allows LLMs to retrieve account balances, transaction history, card details, and treasury information using Mercury's official hosted MCP server.

Finance teams and founders use Mercury MCP to give their AI assistants direct access to their company's financial data. Instead of logging into the Mercury dashboard to check balances, review transactions, or analyze spending patterns, you can simply ask your AI assistant. This means faster financial reporting, real-time cash position visibility, and the ability to spot trends and anomalies without manual spreadsheet work.

  • ✓Real-time account balance and transaction data without logging into Mercury
  • ✓AI-powered financial analysis and spending pattern recognition
  • ✓Consolidated view of accounts, cards, and treasury positions
  • ✓Natural language queries for all your Mercury banking data
Deploy Managed ServerExplore Integrations
mcp-config.json
{
  "mcpServers": {
    "mercury": {
      "command": "sse",
      "args": [],
      "env": {
        
      }
    }
  }
}
Real-World Automation

Common Workflows

See how teams combine this MCP with other tools to automate real business processes.

Daily Cash Position Report

Scenario: A CFO wants a morning snapshot of the company's cash position across all accounts.
Steps:
  1. Mercury MCP retrieves all accounts with current balances
  2. Fetches pending transactions that will clear today
  3. Gets treasury account balances and recent activity
  4. Summarizes: total cash, pending outflows, treasury positions
  5. Posts formatted report to Slack finance channel at 9 AM daily
Outcome: Cash position reporting drops from 30 minutes of dashboard checking to zero effort. Always-accurate, real-time data every morning.

Spend Analysis & Anomaly Detection

Scenario: A finance manager needs to review last month's spending and flag unusual transactions.
Steps:
  1. Mercury MCP lists all transactions from last month across all accounts
  2. AI categorizes spending by merchant and category
  3. Identifies transactions >2 standard deviations from mean
  4. Flags duplicate payments or unusual vendor names
  5. Creates a summary with top spending categories and anomalies
Outcome: Manual spend review takes 2-3 hours monthly—AI completes it in under a minute with more accurate anomaly detection.

Card & Recipient Audit

Scenario: Operations needs to verify all active cards and approved payment recipients for compliance review.
Steps:
  1. Mercury MCP retrieves all cards across all accounts
  2. Lists all payment recipients with their details
  3. Cross-references active cards with current employees
  4. Identifies cards not used in 90+ days for potential closure
  5. Generates compliance-ready audit report
Outcome: Quarterly audit prep drops from 4 hours to 5 minutes. No cards or recipients slip through the cracks.
Protocol Definition

Available Tools — In Depth

Detailed reference for each tool exposed by this MCP server, with examples and related use cases.

⚒

getAccounts

Retrieve all Mercury accounts for your organization including checking, savings, and foreign currency accounts. Returns account names, IDs, available balances, and account numbers. Use this as your starting point before drilling into specific account details.

⚒

listTransactions

Retrieve transactions with powerful filtering by date range, status (pending/posted), categories, and merchant. Automatically handles pagination for complete results. Use this for expense analysis, reconciliation, and spotting spending trends.

⚒

getTreasury

Retrieve all treasury accounts and their current positions. Essential for companies managing multiple treasury instruments and needing a consolidated view of their investment portfolio.

⚒

listCategories

List all custom expense categories configured for your organization. Use this to understand your chart of accounts before analyzing spending by category, or to verify category names when categorizing transactions.

Setup Guide

Configuration & Best Practices

Setup Checklist

  • ✓
    Mercury account (required)
    You need an active Mercury business banking account to use this MCP server.
  • ✓
    OAuth authorization
    When prompted, log in to Mercury and authorize the connection. Sessions remain active for 3 days on the same chat thread.
  • ✓
    Read-only access
    Mercury MCP is read-only. It can view balances, transactions, cards, and recipients but cannot initiate payments or modify data.
  • ✓
    Sandbox testing (optional)
    Use Mercury's sandbox environment for testing before connecting to your production account.

Troubleshooting

OAuth session expired
Fix: Re-authenticate by starting a new chat thread. Sessions last 3 days on the same thread.
Account not found
Fix: Verify the account ID exists in your Mercury organization. Use getAccounts first to list all available accounts.
Insufficient permissions
Fix: Ensure your Mercury account has API access. Contact Mercury support if the OAuth flow does not complete.
Rate limit: Standard Mercury API rate limits apply. Implement exponential backoff for bulk queries.

When to Use Mercury MCP Server vs. Alternatives

Use This MCP When:

  • You need AI-native access via natural language
  • Your workflows span multiple tools (MCP composability)
  • You prefer cloud hosting over local Docker
  • You want zero-config deployment with ClawFast
  • Your use case requires LLMs to reason and act autonomously

Consider Alternatives When:

  • You need bulk data sync (use native export/import)
  • Real-time streaming is critical (use native webhooks)
  • You have strict compliance requiring direct API audit logs
  • Your integration is a one-off script (direct SDK may be simpler)
  • You need features not yet exposed by this MCP server
FAQ

Common Questions About Mercury MCP Server

Q: Is Mercury MCP read-only?
A: Yes. Mercury MCP is scoped to have read-only access to prevent unintended financial actions. You can view balances, transactions, cards, and recipients but cannot initiate payments or make changes.
Q: What data can I access?
A: Account balances and details, transaction history (with advanced filtering), debit and credit cards, payment recipients, treasury accounts, custom categories, and organization details.
Q: How long does the OAuth session last?
A: Sessions remain active for 3 days on the same chat thread. After that, you may need to re-authenticate.
Q: Can I use this with ChatGPT or other AI tools?
A: Yes. Mercury MCP uses the standard Model Context Protocol and works with any MCP-compatible client including Claude, ChatGPT, and others.
Q: Do I need to host anything?
A: No. Mercury provides a hosted MCP server at mcp.mercury.com/mcp. There is no local installation or self-hosting required.

Combine with Other MCPs

This MCP works great alongside other tools. Here are popular combinations.

stripe
Combine banking data with payment processing for complete financial visibility
→
slack
Get daily balance alerts and transaction notifications in your finance channel
→
notion
Archive monthly financial reports and transaction logs for audit trails
→

Ready for full workflows?

Check out our integration page for Mercury MCP Server to see complete AI agent templates and step-by-step guides.

View Mercury MCP Server Integrations →

Technical Specifications

Protocol
SSE (Server-Sent Events)
Transport
HTTPS (TLS 1.3)
Authentication
OAuth 2.0 (Mercury login)
Rate Limit
Standard Mercury API limits
Typical Latency
200-600ms
Data Format
JSON
Supported LLMs
Claude 3.5+, GPT-4o, Kimi K2.5
Hosting
Mercury cloud (official hosted MCP server)
Uptime SLA
99.5%+ (Mercury dependent)
Last Updated
Real-time via Mercury API

Why Managed MCP?

Model Context Protocol (MCP) is the new standard for AI connectivity. While you can host servers locally, ClawFast provides a production-grade managed environment.

  • 24/7 Availability: No need to keep your local machine running.
  • Secure Secrets: API keys are encrypted at rest and never exposed to logs.
  • SSE Protocol: Native Server-Sent Events (SSE) support for cloud-to-cloud connectivity.
  • Zero Config: One-click deployment with pre-configured templates.

Looking for more ways to use Mercury MCP Server?

Explore our high-level integration page for Mercury MCP Server to see business use cases and ready-to-use AI agent templates.

View Mercury MCP Server Integrations →

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