mercury_send_money
Pay a vendor or contractor from your Mercury account using ACH, wire, or check. Confirm recipient and amount before sending, as real funds leave your account.
Instructions
Send money from a Mercury account to an external recipient via ACH, wire, or check. REAL FUNDS LEAVE YOUR ACCOUNT.
USE WHEN: paying a vendor / contractor / counterparty whose recipientId already exists. ALWAYS confirm amount, recipient name, and payment method with the user before calling — the action is high-impact and largely irreversible (wires especially).
DO NOT USE: to move money between your own Mercury accounts (use mercury_create_internal_transfer). To submit a payment that ALWAYS requires human approval regardless of workspace policy, use mercury_request_send_money instead.
SIDE EFFECTS: moves real money out of the account. Whether the payment executes immediately or queues for approval depends entirely on your Mercury workspace's approval policy (Settings → Approvals on app.mercury.com) — the MCP cannot enforce this; Mercury does. On a $0-threshold workspace every send waits for sign-off; on a permissive workspace small payments may settle without re-prompting. Wires are usually irreversible once executed. Idempotent via idempotencyKey — auto-generated if not passed; pass an explicit one to make retries safe. Audit log entry on Mercury.
RETURNS: { id, status, amount, ... }. status reflects either immediate execution or pending-approval state, depending on workspace policy.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| accountId | Yes | Source Mercury account ID | |
| recipientId | Yes | Recipient ID (must already exist) | |
| amount | Yes | Amount in USD (e.g. 100.50) | |
| paymentMethod | Yes | Payment method | |
| note | No | Internal note | |
| externalMemo | No | Memo visible to recipient | |
| idempotencyKey | No | Unique key to prevent duplicate transfers. Auto-generated if omitted; pass an explicit one to make retries safe. |