mercury_request_send_money
Creates a pending approval request for outbound payments. Requires human sign-off before funds are sent via ACH, wire, or check.
Instructions
Request to send money — Mercury creates a pending approval request that a human must approve before any funds move. ALWAYS creates an approval request, regardless of workspace policy.
USE WHEN: submitting an outbound payment that should always wait for human sign-off — for safety, audit, or because workspace policy demands it. Pairs naturally with the "submit, then wait for approver" workflow.
DO NOT USE: when you intend to transfer between your own accounts (use mercury_create_internal_transfer — no external recipient). For payments that may execute immediately under workspace policy, use mercury_send_money (different surface).
SIDE EFFECTS: creates a pending approval request on Mercury — no money has moved at this point. A human approver must sign off in the Mercury web/mobile app. Once approved, Mercury executes the underlying ACH / wire / check. Idempotent via idempotencyKey — auto-generated if not passed; pass an explicit one to make retries safe. Audit log entry on Mercury for the request itself.
RETURNS: { id, status: "pendingApproval", amount, ... } — track via mercury_get_transaction once executed.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| accountId | Yes | Source Mercury account ID | |
| recipientId | Yes | Recipient ID | |
| amount | Yes | Amount in USD | |
| paymentMethod | Yes | Payment method | |
| note | No | ||
| externalMemo | No | ||
| idempotencyKey | No | Unique key to prevent duplicate transfers. Auto-generated if omitted; pass an explicit one to make retries safe. |