Accounting software for Mercury: every account in your books within minutes
Mercury links through Stripe like any bank, or directly with a read-only API token that also reads treasury and 24 months of history. Each month is matched to Mercury's statement to the cent, and Accountable can never move your money.
Updated · 3 min read · By the Accountable team
The short version
- Mercury links through Stripe like any bank, or directly with a read-only API token, free and unlimited on every plan.
- Checking, savings, treasury and Mercury card accounts all post, each to its own account in your books.
- Each transaction is categorized with its reason, and transfers between your own Mercury accounts are matched as transfers, never counted as spending.
- Every month-end balance is checked against Mercury's statement to the cent before the month closes.
- A read-only token cannot send, move or spend money, and it needs no IP allowlist.
What comes over from Mercury
- Every account on the Mercury login: checking, savings, treasury and credit card, each mapped to its own account in the chart of accounts.
- Each transaction with its date, amount, counterparty and Mercury's own description, posted as it clears.
- Balances, so each account can be matched to Mercury's month-end statement.
How Mercury transactions are booked
Each Mercury transaction is named in plain words and filed under a category, with the reason shown. When the AI isn't sure, it asks you one short question instead of guessing, and a rule you tick once applies to every future charge from that vendor.
| In Mercury | In Accountable | Category |
|---|---|---|
| AWS 8123 · Amazon Web Services | Amazon Web Services | Hosting and Infrastructure |
| Transfer to Mercury Savings ••2201 | Transfer to Mercury Savings | Transfer, not spending |
| GUSTO PAYROLL 0930 | Gusto payroll | Split: wages, taxes and benefits |
| STRIPE TRANSFER ST-8H2K | Stripe payout | Matched to Stripe's payout report |
How to link Mercury through Stripe in three steps
Step 1: In Accountable, open Connections and press Link a bank or card.
Step 2: In Stripe's window, search for Mercury, sign in with your Mercury login and pick the accounts to share.
Step 3: The accounts appear in Connections and start posting. The link brings up to 180 days of history.
Connect Mercury directly with a token in four steps
Step 1: In Mercury, open All Settings › Tokens and create a Read Only API token. Only Mercury admins can create one.
Step 2: Copy the token. It starts with
secret-token:mercury_, and Mercury shows it only once.Step 3: In Accountable, open Connections, press Connect an account, pick Mercury and paste the token.
Step 4: Every Mercury account appears in Connections and starts posting within minutes.
The step-by-step help article, with screenshots, is Connect Mercury with a read-only API token.
Mercury deletes idle tokens; we sync every 15 minutes
Mercury deletes an API token that goes unused for 45 days. Accountable checks Mercury for new transactions every 15 minutes, so the token stays in use. If someone deletes it in Mercury, the connection shows Broken; create a new read-only token and press Reconnect, and nothing already posted changes.
Mercury's own accounting tools and Accountable do different jobs
Mercury moves money: payments, cards, bill pay and treasury. Accountable keeps the books from that activity: categorization, the bank match, month-end close, reports, taxes and your CPA's package. Many founders keep Mercury for banking and use Accountable for the books, and the two connect in a minute.
Questions founders ask
Is connecting Mercury free?
Yes. A Mercury token connects on every plan, including Free, and never counts toward a limit. Linking Mercury through Stripe instead comes with Pro.
Should I link Mercury through Stripe or use a token?
Either works, and linking the same account both ways asks which to keep, so nothing posts twice. Stripe is one sign-in, like any bank. The token reads treasury and up to 24 months of history, where a link through Stripe reads up to 180 days.
Can Accountable move money in my Mercury account?
No. The token is read-only, so it can read balances and transactions but cannot send, move or spend money.
Does it work with several Mercury accounts or several companies?
Yes. Every account on the token's Mercury organization comes over. For a second company, connect that company's own Mercury login to it; each company's books stay separate.
How fast do Mercury transactions show up?
Within minutes of clearing in Mercury. Connections shows each account's last sync and flags a balance that doesn't match Mercury's.
Connect Mercury and get AI bookkeeping that stays up to date
Start free with one company. Mercury connects in a minute with a read-only token, and last month is reconciled and each month finished.
Start freeSources, checked September 30, 2026: