Fetch a single Mercury payment recipient by ID. Returns the recipient's name, status, emails, default payment method, and ACH/wire routing details with account numbers reduced to last-4. Ideal for: verifying recipient details before sending a payment, confirming routing info matches an invoice.

Fetch a single Mercury transaction by account ID and transaction ID. Returns the amount, status ('pending', 'sent', 'cancelled', 'failed'), counterparty, memo, timestamps, and failure reason if any. Ideal for: checking whether a payment cleared, payment status polling after a payout, reconciling invoices against bank activity.

List all saved payment recipients in the connected Mercury account. Returns each recipient's ID, name, status, emails, default payment method, and ACH/wire routing details with account numbers reduced to last-4. Ideal for: matching an invoice vendor against existing recipients before paying, vendor lookups, payment audits.

List all Mercury business banking accounts visible to the connected API token. Returns each account's ID, name, status, kind, routing number, account number last-4, and USD balances. Ideal for: picking the funding account for a payment, balance checks before payouts, treasury dashboards.