Transaction categorization

Mercury records every deposit, payment, and transfer across your business accounts. A Beam agent reads new transactions as they post, applies your approved rules for which vendor or description maps to which category, and writes the label back so bookkeeping stays current. Clear, recurring transactions get sorted without anyone watching. Anything ambiguous, unusually large, or from an unrecognized counterparty is set aside and sent to a person, who confirms the category before it is recorded. The agent never guesses on entries that fall outside the rules you defined.

Balance and cash-flow reads

Mercury shows real-time balances and activity across your accounts. A Beam agent reads current balances on a schedule you set, compares them against thresholds you approve, and notifies the right person when cash dips below a floor or a large outflow lands. Routine days pass with a simple recorded check. When the agent sees a balance breach, a duplicate charge, or an unexpected drop, it raises the case to a person with the figures attached rather than acting on money movements on its own, since funding decisions stay with your team.

Payment initiation

Where your connector and account permissions allow it, Mercury can start payments to saved recipients. A Beam agent prepares a payment from an approved template, reads the invoice or request that prompted it, and applies your rules for amount limits and approved payees. Payments within those limits to known recipients can proceed once recorded. Any new payee, any amount above your ceiling, or any mismatch between invoice and request is held and passed to a person for sign-off, because moving funds always keeps a human in the approval path.