Mercury ACH Sender

curl -fsSL https://raw.githubusercontent.com/CashQ/mercury/main/install.sh | bash

Installs, starts the server, and opens the browser. Requires Node.js 18+ and git.

To run again after installing:

mercury-ach/start

Simple web app for sending ACH payments via the Mercury Banking API. The app guides you through API token setup in the browser.

Features

• Self-service setup — enter API token in the browser, validates and saves automatically
• Existing recipients — browse and select from your Mercury recipient list
• New recipients — create with full ACH bank details (routing, account, address)
• Account selection — choose which Mercury account to send from (auto-selects if only one)
• Transaction categories — defaults to Contractor, with all Mercury categories available
• Confirmation — shows status, transaction ID, estimated delivery, and Mercury dashboard link
• Error handling — specific messages for invalid tokens, IP whitelist issues, etc.

Setup

1. Install and Run

npm install
npm start

2. Configure API Token

Open http://localhost:3000 — if no API token is configured, the app shows an interactive setup page where you can:

1. Paste your Mercury API token
2. The app validates it against the Mercury API
3. On success, saves to .env and restarts automatically

To get a token: log in to Mercury → Settings → API Tokens → create a Read and Write token.

Note: Mercury requires IP whitelisting for Read/Write tokens. Add your server's IP address to the token's whitelist. The setup page will show your IP if it's not whitelisted.

Manual Setup (alternative)

Create a .env file in the project root:

MERCURY_API=secret-token:your_token_here

Then run npm start.

Project Structure

├── server.js          # Express backend (proxies Mercury API)
├── public/
│   ├── index.html     # Two-step wizard UI
│   ├── style.css      # Anthropic-inspired styling
│   └── app.js         # Frontend logic
├── .env               # API token (created by setup, not committed)
└── package.json

API Routes

Route	Method	Description
/api/accounts	GET	List Mercury accounts
/api/recipients	GET	List existing recipients
/api/recipients	POST	Create a new recipient
/api/send	POST	Send ACH payment