Overview:
Mercury is a financial technology company that provides banking services built for startups, from pre-seed companies to growth-stage teams. Deposits are held with Mercury's partner banks. It's one of the most common places US-incorporated startups keep their operating accounts, fundraising proceeds, and reserves, and it's especially popular with founders running India-US operations who need a US account they can open remotely.
If your startup banks with Mercury, that account is the single richest source of truth in your books. Every payroll run, vendor payment, SaaS subscription, and investor wire lands there first.
Inkle's direct API integration with Mercury syncs those transactions into your Inkle dashboard automatically. No CSV exports, no month-end statement downloads, and no chasing a bank feed that broke three weeks ago.
Features
New Mercury transactions appear in Inkle Books on their own, so your books stay current between one close and the next.
Checking, savings, and every sub-account sync together and map to the right ledger, so nothing sits outside your books.
See your true cash position and runway from inside your books, without opening a banking tab to check the balance.
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Mercury connects through Inkle's own integration rather than a third-party aggregator, which means fewer dropped feeds and fewer re-authentications.
Transactions arrive with the detail needed to match them, so closing the month becomes a review rather than a rebuild.
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Inkle reads your transaction data and nothing more, cannot move money, and the whole connection takes under a minute.
How do you connect
Mercury
to Inkle?
Open Data Sources
from the left navigation in Inkle Books.
Click Connect
in the top right to open the Connect Data Sources hub.
Select Mercury under Bank & Credit Cards,
alongside SVB, Brex, Ramp, and the 10,000+ banks available through Plaid.
Authorise through Mercury.
You approve read access on Mercury's own screen. Your credentials never reach Inkle.
Choose which accounts to sync,
including checking, savings, and any sub-accounts you use to separate reserves or runway.
Your Mercury accounts then appear on the Reconciliations dashboard under Accounting, grouped by source with a Last reconciled till date for each. Reconcile your operating account first, since cards and payment processors settle into it.
What data does Inkle pull from
Mercury
?
- Account name, type, and last four digits
- Account balances
- Transaction date, amount, and description
- Counterparty name
- Memo
- Your Mercury login credentials
- Full account numbers
- The ability to send wires or transfers
- The ability to change account settings
- The ability to open or close accounts
FAQs
Yes. You authorise on Mercury's own screen, so Inkle never sees or stores your credentials, and access is read-only. We can read transactions into your books but cannot move money. Revoke access from Data Sources whenever you want.
Transactions flow in automatically once connected, so your books stay current between closes rather than catching up at month-end.
Yes. Checking, savings, and sub-accounts all sync, and each appears separately on the Reconciliations dashboard with its own reconciliation status. If you use sub-accounts to ring-fence runway or reserves, that structure carries through to your books.
Card spend and bill payments settle through your Mercury accounts, so they come through in the same transaction feed. If you also run a dedicated spend platform like Brex or Ramp, connect that separately so card detail lands with its own cardholder and category information.
Yes. Data Sources supports multiple connections, and the Reconciliations dashboard groups accounts by source, so Mercury sits alongside your cards, Stripe, and anything connected through Plaid.
Manually added accounts work the same way once you upload statements, which is what most founders use to backfill prior periods after migrating from QuickBooks, Xero, Pilot, or Puzzle.
