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.

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.