Mercury Bank

Pay a contractor, issue an invoice, read the ledger — from your business bank account, inside your limits.

mainnettestnet

Skill:

You paste an API token from Mercury; a token alone moves nothing. Your policy sets the most per payment and per 30 days, the payees and rails, and Mercury’s own approval rules still apply on top.

The owner’s policy

Stored as MERCURY_POLICY, checked inside the enclave before any request leaves. read-only — the agent can look at accounts, payees, the ledger and invoices, and cannot pay, add a payee or send an invoice

How much may it pay?

max_payment_usdMost per paymenta number, USD, whole dollars: The largest single payment. Payments are off until BOTH this and the 30-day budget are set — one without the other allows nothing. Empty: Empty: no payments at all.
max_spend_usd_monthBudget per 30 daysa number, USD, rolling 30 days: Everything paid or queued for approval in the last 30 days, counted from Mercury’s own ledger — every outgoing transaction on the account, yours included, so a busy month leaves the agent less. A payment that would cross it is refused. Empty: Empty: no payments at all.

To whom?

allowed_recipientsOnly these payeesa list: Mercury recipient ids, as the connector’s recipients operation lists them. With a list here the agent can never add a payee, whatever the switch below says. Empty: Empty: any payee already saved in Mercury.
allow_new_recipientsAdd new payeeson or off: Lets the agent save a payee from account and routing numbers it was given, and pay it. Off, it pays only payees already saved in Mercury by you. Empty: Off: only payees already saved in Mercury.

How?

payment_methodsRailsa set of choices: The connector uses only what is ticked. A wire is expensive and cannot be recalled, so it is never on unless you tick it. Empty: Nothing ticked: ACH only.
account_idAccounttext: The Mercury account id everything runs against. With several accounts on the login, payments are refused until one is named here: the agent is not allowed to choose which account it draws from. Empty: Empty: the login’s only account. With more than one account, reads still work and no payment runs.

Off unless you say so

allow_invoicingIssue and cancel invoiceson or off: send_invoice creates a real Mercury invoice and Mercury emails it to the customer under your company’s name; cancel_invoice cannot be undone. Rendering an invoice document needs no switch. Empty: Off: the agent can read invoices and render a document, and cannot send or cancel one.

Which operations at all?

allowed_operationsOperationsa set of choices: When anything is ticked, the agent may run only that — reads included — and status always answers. An operation added to the connector later is NOT included until you tick it. Empty: Nothing ticked: every operation, subject to the rules above.

Operations

Every call names one in operation; the other fields are the parameters listed under it.

Reading the deployed version…