Request to send money

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Scope: Send Money with Approval (does not require an IP whitelist)

For an implementation guide and acceptable uses for this endpoint, refer to
the Create Transaction docs.

Note:

This endpoint provides a way to queue payments that require approval from the web interface. The user approving the payment will need to be different than the user who created the API Token, and the approving user will need to have proper send money permissions.

Since this endpoint requires approval to send money, an IP whitelist is not required if using this endpoint with a Custom token. Thus, this endpoint may be useful in situations where a static IP is not available.

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Payment Methods
When using domesticWire as a paymentMethod:

purpose.simple.category is required.

purpose.simple.additionalInfo:

Required when purpose.simple.category is:

Vendor (vendor name)

Contractor (contractor name)

Other (payment description)

Optional for:

Subsidiary

Not allowed for all other categories

When using realTimePayment as a paymentMethod:

Note: Real-time payments are designed to settle in seconds, and the network is open 24/7, including weekends and holidays. Real-time payments are designed to be final once submitted. Since settlement happens immediately, they generally cannot be canceled or reversed by the sender. Read more in Mercury's Help Center.

The recipient's routing number must be eligible for Real-time payments, either through the RTP® network and/or the FedNow service. You can validate a routing number's eligibility when adding or updating a recipient's realTimePaymentRoutingInfo. Before sending, check with your recipient to make sure their bank can receive Real-time payments.

Real-time payments are only available to Mercury accounts provided through our partner, Column N.A. You can check an account's eligibility to send Real-time payments with the canSendRealTimePayments attribute available in the getAccounts response.

$10,000,000 is the maximum amount for an individual transaction.

Note:

Payment Methods

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