Mercury MCP
Mercury's official MCP server (Beta) for read-only access to your Mercury business banking data — accounts, balances, transactions, cards, recipients, statements, and treasury. Cannot initiate transactions or modify account data; all mutations are blocked server-side.
Verdict
Common use cases
- Check cash runway during board prep
- Pull last week's transactions for reconciliation
- Monitor account balance before payroll
- Review pending transfers in real time
- Surface recent expenses by category
Integration
- Vendor
- Mercury MCP
- Category
- other
- Auth
- OAUTH2
- Composio slug
mercury_mcp
Tools
Setup
Setup guide
- 11. Open your Switchy workspace and navigate to Settings > Integrations > Browse MCP Servers. 2. Search for 'Mercury MCP' and click Connect. 3. You'll be redirected to Mercury's authorization page — log in with your Mercury credentials if prompted. 4. Review the requested scopes (typically read access to accounts, transactions, and balances) and click Authorize. 5. Mercury redirects you back to Switchy; you'll see a green checkmark confirming the connection. 6. Open any Space and type '@Mercury what's my current balance?' to test — the AI should return your account balance within seconds. 7. If the response fails, revisit Settings > Integrations to confirm the connection shows 'Active' and retry authorization if needed.
What teammates see: by default, memories from Mercury MCP are scoped to the Space (PROJECT visibility) — you can mark any memory PRIVATE or share it ORG-wide.
Works well with
Top models
Compatibility data appears once enough Spaces have used this MCP together with a given model.
How Switchy teams use it
Starter prompts
Current Cash Position
@Mercury what's the current balance across all my accounts? Break it down by account type if I have multiple.Open in a Space →
Recent Transaction Summary
@Mercury show me all transactions from the last 7 days, grouped by merchant or category.Open in a Space →
Monthly Spend Breakdown
@Mercury summarize my spending for the last month. Group by category and highlight the top three expense areas.Open in a Space →
Pending Transfer Check
@Mercury are there any pending transfers or holds on my account right now? Include expected settlement dates.Open in a Space →
Vendor Payment History
@Mercury find all transactions to [Vendor Name] in the past six months. Include dates and amounts.Open in a Space →
Example outputs
Illustrative — representative of the model's voice and quality, not literal recordings.
@Mercury create a new recipient for vendor payments: Acme Supplies, account number 123456789, routing 021000021
I've created a new recipient in your Mercury account: Acme Supplies is now set up for ACH transfers with the routing and account details you provided. The recipient is saved and ready for payments. Before initiating your first transfer, Mercury will verify the account details—this typically takes 1-2 business days. You can now reference 'Acme Supplies' in future payment requests.
Demonstrates recipient management for outbound payments. Requires OAuth2 write permissions for recipient creation. Mercury enforces verification periods for new recipients before first payment, and the MCP cannot bypass this security step. Side-effect: this action modifies your Mercury account's recipient list immediately.
@Mercury pull the last 30 days of transactions over $1,000 and summarize spending by category
I retrieved 47 transactions over $1,000 from the past 30 days. Here's the breakdown: Software & SaaS ($23,450 across 12 transactions, largest: $8,500 to AWS), Payroll ($31,200 in 2 transactions), Professional Services ($9,800 across 8 transactions, mostly legal and accounting), and Office & Equipment ($4,100 in 3 transactions). Total high-value spend: $68,550. The data shows your largest expense category is payroll, followed by software infrastructure.
Showcases transaction retrieval with AI-powered categorization and analysis. Mercury's API provides raw transaction data; the AI layer adds the summarization and pattern recognition. Accuracy of categories depends on merchant descriptions in your transaction feed. Useful for quick financial reviews without exporting to spreadsheets.
Use-case deep-dives
When Mercury MCP helps a 3-person team close books faster
A founding team closing their first quarter needs to reconcile Mercury transactions against Stripe payouts and contractor invoices. Mercury MCP pulls transaction history and account balances directly into Switchy, so the team can ask questions like "show me all transfers over $5k last month" without logging into the banking UI. OAuth2 means the founder grants read access once and the whole team can query balances in shared threads. This works when your finance ops are simple—under 500 transactions a month, one or two accounts. If you're running multi-entity structures or need to write checks programmatically, you'll hit the API's read-only limits fast. For early-stage teams doing monthly closes in a shared doc, Mercury MCP turns 20 minutes of tab-switching into a 2-minute conversation.
Mercury MCP for monthly burn-rate snapshots
A 6-person SaaS team sends investor updates on the 5th of every month and needs current cash balance, runway, and last month's burn. Mercury MCP lets the ops lead pull those numbers into a Switchy thread, compare them to the previous update, and draft the finance paragraph without opening a spreadsheet. OAuth2 setup means the founder doesn't have to share login credentials—the ops lead authenticates once and queries on their own. This scenario assumes you're tracking expenses in Mercury and not splitting cash across three banks. If you have complex treasury management or need to reconcile against QuickBooks, Mercury MCP becomes one input among many and loses its speed advantage. For straightforward burn tracking at sub-20-person scale, it cuts update prep from 30 minutes to 5.
When Mercury MCP confirms contractor payouts in real time
A 4-person agency pays 8 freelancers biweekly and fields Slack messages asking "did my payment go through?" Mercury MCP lets the ops manager query recent outbound transfers in Switchy and confirm payment status without leaving the conversation. OAuth2 keeps banking credentials out of shared channels—only the ops manager authenticates, but the whole team can see anonymized confirmation that payments cleared. This works when you're paying individuals via Mercury's native transfer tools and your freelancer count stays under 15. If you're using a payroll provider or batching payments through Bill.com, Mercury MCP won't see those transactions and you're back to manual lookups. For small teams doing direct contractor payments, Mercury MCP turns a 10-message Slack thread into a 1-minute answer.
Frequently asked
What does Mercury MCP do in Switchy?
Mercury MCP connects your Mercury banking account to Switchy's AI workspace, letting your team query balances, transaction history, and account details through natural language. Your AI assistant can pull real-time financial data without switching to the Mercury dashboard, which speeds up budget reviews and expense tracking during team conversations.
Do I need admin access to connect Mercury MCP?
Yes. Mercury MCP uses OAuth2, which typically requires account owner or admin permissions to authorize third-party access to banking data. Standard team members won't be able to complete the connection flow. Check your Mercury account settings to confirm your role before attempting setup in Switchy.
Can Mercury MCP initiate payments or transfers?
No. Mercury MCP is read-only by design — it retrieves account data but cannot move money, approve transactions, or modify account settings. If you need to send a payment, you'll still log into Mercury directly. This limitation protects your funds while giving your team visibility into financial information.
How is this different from logging into Mercury's web app?
Mercury MCP brings your banking data into Switchy's shared workspace, so your team can ask questions like "what's our runway" or "show last month's AWS charges" without leaving the conversation. The Mercury web app offers full account management and detailed reporting, but requires context-switching and doesn't integrate with your other Switchy tools.
Who on the team should connect Mercury MCP?
Your finance lead or whoever manages the Mercury account should connect it. Once connected, you control which Switchy team members can query the data through workspace permissions. Avoid connecting it with a personal account that might lose access if that person leaves the company.