# Mercury's MCP can request payments and transfers from ChatGPT and Claude, still needs your OK in the app

> Mercury's October 15 release lets ChatGPT and Claude request payments and transfers and edit categories. Money does not move until you approve the request in Mercury. The docs list no separate fee.

Published 2026-10-15T08:00:00-07:00 · Build with AI guides · Canonical: https://news.littlewolflabs.com/posts/2026-10-15-mercury-mcp-payments

On October 15, Mercury's release note says you can ask ChatGPT or Claude to move money, pay a recipient, or categorize transactions on a Mercury account, and that nothing moves until you approve it ([Mercury releases](https://mercury.com/releases?category=API)). The [MCP docs](https://docs.mercury.com/docs/what-is-mercury-mcp) call the server a beta. It connects through OAuth. Payment and transfer requests do not send until you approve them in Mercury. Category and note edits apply immediately if those scopes were granted.

[Supported tools](https://docs.mercury.com/docs/supported-tools-on-mercury-mcp) lists five write tools. `requestSendMoney` and `requestTransferMoney` create a request that still needs approval in Mercury. `createCategory`, `editCategory`, and `updateTransaction` apply immediately. A connection that was read-only has to be reauthorized before those write scopes exist. Existing connections do not gain write access on their own.

## What it costs

The release note and the docs list no separate fee for the MCP.

## Should you switch

Connect it if you already approve payments in Mercury and want ChatGPT or Claude to draft the request. Leave it off if you do not want a model holding write scopes, even with the in-app approval step. Reconnect an older read-only link or the write tools stay unavailable.