Mercury - Create Transfer

Description

This module allows creating a bank transfer from a Mercury account. It supports ACH transfers (free), domestic Wire, and international Wire.

Configuration

Field	Type	Required	Description
credentials_id	credential	Yes	Mercury credentials
account_id	string	Yes	Source account ID
recipient_id	string	Yes	Recipient ID
amount	number	Yes	Amount in USD
payment_method	select	No	Method: ach, domesticWire, internationalWire
note	string	No	Internal note
external_memo	string	No	Memo visible to the recipient
send_date	string	No	Scheduled date (YYYY-MM-DD)
idempotency_key	string	No	Unique key to avoid duplicates

Credentials

This module requires Mercury type credentials with the following fields:

Field	Description
api_key	Mercury API Key (obtained in Settings > API)

Output

{
  "success": true,
  "transfer": { ... },
  "transfer_id": "txn_abc123",
  "status": "pending",
  "amount": 5000.00,
  "payment_method": "ach",
  "recipient_id": "rec_xyz789",
  "estimated_delivery_date": "2024-01-18",
  "message": "Transferencia txn_abc123 creada por $5000 (pending)"
}

Delivery Times

Method	Estimated Time
ACH	1-3 business days
Domestic Wire	Same day (before 5pm ET)
International Wire	2-5 business days

Fees

Method	Cost
ACH	Free
Domestic Wire	~$5-15
International Wire	~$20-40

Usage Example

{
  "credentials_id": "mercury_cuenta",
  "account_id": "abc123",
  "recipient_id": "rec_xyz789",
  "amount": 5000.00,
  "payment_method": "ach",
  "note": "Pago factura #1234",
  "external_memo": "Factura 1234 - Enero 2024"
}

API Used

• API: Mercury API v1
• Endpoint: POST /api/v1/account/{id}/transfers
• Documentation: https://docs.mercury.com/reference

Notes

• The recipient must exist previously (use mercuryCreateRecipient)
• The idempotency key prevents duplicate transfers
• Scheduled transfers are processed at 9am ET
• Domestic wires sent after 5pm ET are processed the next day

Related Nodes

• MercuryCreateRecipient - Create the transfer recipient
• MercuryGetTransfers - Check transfer status
• MercuryGetBalance - Verify funds before transferring
• MercuryGetAccounts - Get source account ID