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Banking

Mercury + Frihet

Sync your Mercury account and automate startup accounting with banking built for tech.

Connect Mercury to Frihet

What this integration does

Frihet's Mercury integration connects your startup bank account directly to your accounting. Mercury is the preferred bank for thousands of US startups, and Frihet leverages its API to import all transactions automatically.

Every deposit, transfer, card payment, and treasury movement is recorded in Frihet with beneficiary details, references, and categories. Incoming payments are reconciled with outstanding invoices and expenses are classified according to configurable patterns.

For funded startups, Frihet provides clear visibility into burn rate, runway, and cash flow. Incoming funds from investment rounds are recorded correctly as capital injections, not revenue.

Features

  • Automatic import of Mercury transactions
  • Deposit reconciliation with outstanding invoices
  • Automatic recurring expense categorization (SaaS, payroll, vendors)
  • Burn rate and runway dashboard integrated with banking data
  • Support for Mercury savings and treasury accounts
  • International transfer recording with exchange rates
  • Smart detection of capital injections vs. revenue

How to set it up

  1. 1

    Generate an API token in Mercury

    Go to your Mercury account > Settings > Developer. Create a read-only token with access to transactions and balances.

  2. 2

    Connect in Frihet

    Go to Settings > Integrations > Mercury. Enter your API token and select the accounts you want to sync.

  3. 3

    Configure expense categorization

    Define rules to automatically categorize expenses: payroll, SaaS, marketing, infrastructure, and more.

  4. 4

    Verify burn rate

    Confirm that the cash flow dashboard correctly reflects your balances, revenue, and monthly expenses.

Use cases

Startup founder

Funded SaaS startup

Track your burn rate and runway from Frihet. Every Mercury expense is automatically categorized and your CFO has real-time visibility.

Head of Finance

Remote company with a global team

You pay international contractors via Mercury. Each transfer is recorded with its exchange rate and matched to the personnel expense.

Freelancer

US-based tech freelancer

You use Mercury as your primary account. All client deposits are reconciled with invoices and expenses are categorized effortlessly.

Frequently asked questions

Mercury is focused on US-incorporated companies. If your business is incorporated in the US, you can use Mercury regardless of where you operate.
Yes. You can mark transactions as capital injections. Frihet excludes them from revenue reports so your P&L stays accurate.
Yes. Mercury Treasury and savings accounts are imported as separate accounts, giving you full visibility into your cash position.

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