📖 技能介绍

Mercury Payments Skill

Overview

Pay invoices via Mercury bank API, notify Zeni (bookkeeper) and the vendor, and always attach the invoice PDF.

Prerequisites

Mercury API token (write access): $MERCURY_API_TOKEN or pass show <vault-path>
Auth: Authorization: Bearer <token> (Basic auth also works: token: base64)
Base URL: https://api.mercury.com/api/v1

Accounts

Discover account IDs dynamically (do not hardcode organization-specific IDs):

curl -s -H "Authorization: Bearer $TOKEN" "https://api.mercury.com/api/v1/accounts"

Default payment account should be confirmed at payment time.

Known Recipients

Keep recipient IDs in your own secure records or resolve by recipient name at runtime.

Payment Flow

1. Get explicit approval

NEVER send money without explicit approval from the authorized operator. Present: amount, recipient, invoice #, account.

2. Download the invoice PDF

Find the invoice email, download the attachment to /tmp/.

3. Check for existing recipient

curl -s -H "Authorization: Bearer $TOKEN" "https://api.mercury.com/api/v1/recipients" | python3 -c "..."

4. Create recipient if needed

curl -s -X POST "https://api.mercury.com/api/v1/recipients" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "name": "...",
    "emails": ["..."],
    "defaultPaymentMethod": "ach",
    "electronicRoutingInfo": {
      "accountNumber": "...",
      "routingNumber": "...",
      "electronicAccountType": "businessChecking",
      "address": { "address1": "...", "city": "...", "region": "...", "postalCode": "...", "country": "US" }
    },
    "defaultAddress": { ... }
  }'

5. Send payment

ACH payment:

curl -s -X POST "https://api.mercury.com/api/v1/account/{accountId}/transactions" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "recipientId": "...",
    "amount": 533.13,
    "paymentMethod": "ach",
    "note": "INV123 - Vendor - Period",
    "idempotencyKey": "unique-key-here"
  }'

Domestic wire payment:

curl -s -X POST "https://api.mercury.com/api/v1/account/{accountId}/transactions" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "recipientId": "...",
    "amount": 1080.00,
    "paymentMethod": "domesticWire",
    "purpose": {"simple": {"category": "vendor", "additionalInfo": "Invoice TRC37332 TRACE Data"}},
    "note": "INV-001 - Vendor - Jan 2026",
    "idempotencyKey": "unique-key-here"
  }'

Wire purpose is required. Format: {"simple": {"category": "<cat>", "additionalInfo": "<desc>"}} Categories: employee, landlord, vendor, contractor, subsidiary, transferToMyExternalAccount, familyMemberOrFriend, forGoodsOrServices, angelInvestment, savingsOrInvestments, expenses, travel, other

6. Email bookkeeper (always)

Send to your bookkeeping inbox (e.g., bookkeeping@example.com) with: - Subject: <Vendor> Invoice <number> — Paid - Body: amount, method, estimated delivery - Attach the invoice PDF

7. Email vendor (always)

Reply in the existing email thread if possible. Include: - Confirmation of payment with amount - Attach the invoice PDF - Estimated delivery date

Internal Transfers (Between Mercury Accounts)

curl -s -X POST "https://api.mercury.com/api/v1/transfer" \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "sourceAccountId": "YOUR_SOURCE_ACCOUNT_ID",
    "destinationAccountId": "YOUR_DESTINATION_ACCOUNT_ID",
    "amount": 465.00,
    "idempotencyKey": "unique-key-here"
  }'

Required fields: sourceAccountId, destinationAccountId, amount, idempotencyKey. Transfers post instantly. Response contains both creditTransaction and debitTransaction.

Querying Transactions

# Recent (default ~30 days)
curl -s -H "Authorization: Bearer $TOKEN" "https://api.mercury.com/api/v1/account/{id}/transactions?limit=500"

# Date range (goes further back)
curl -s -H "Authorization: Bearer $TOKEN" "https://api.mercury.com/api/v1/account/{id}/transactions?start=2025-12-01&end=2026-01-18&limit=500"

Note: Without date params, API only returns ~30 days. Use start/end to go further back.

Idempotency Keys

Use descriptive keys: {vendor}-{invoice}-{period} (e.g., finra-trc37332-nov2025)

Checklist

[ ] Explicit approval received from authorized operator
[ ] Invoice PDF downloaded
[ ] Recipient exists (or created)
[ ] Payment sent with correct amount, method, and note
[ ] Zeni emailed with invoice attached
[ ] Vendor emailed with invoice attached
[ ] Payment logged in daily memory file

🤖 AI 评测

这个Skill质量中规中矩，流程设计较为完整，提供了清晰的支付步骤指引和检查清单，能基本满足通过Mercury银行付款的需求。优点是包含了多种支付方式示例，步骤逻辑清晰。不足之处在于说明不够详细实用，缺少实际的操作示例和遇到问题时的处理方法，整体更像是技术备忘录而非可直接参考的操作指南，实际使用时可能还需要查阅更多资料才能顺利执行。