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Mercury scores 85 out of 100 on the Agent Readiness Index
Mercury reaches level 4, Trusted. Discoverability is the strongest area at 89 out of 100. Policy and governance is the weakest at 70.
Mercury was scanned on October 15, 2026. Its score is 85 out of 100, level 4, Trusted. A customer can authorize an agent with limited, revocable access. To reach level 5, Native: Support agents on every channel: passkeys, a high assurance profile and a voice line scoring 70 or more.
Website: mercury.com
Score by area
| Area | Score | What it asks |
|---|---|---|
| Discoverability | 89 out of 100, worth 15 points | Can an agent find and read your pages? |
| Protocol access | 84 out of 100, worth 20 points | Can an agent connect to you through MCP or an API? |
| Identity and delegation | 88 out of 100, worth 20 points | Can a customer give an agent limited access without sharing a password? |
| Web experience | 87 out of 100, worth 15 points | Does your site work when an agent uses it? |
| Voice and IVR | Not measured yet | What happens when an agent calls your phone line? |
| Policy and governance | 70 out of 100, worth 10 points | Do your terms allow agents that act for customers? |
What is holding Mercury back
- llms.txt guide for agents, 3 points lost. No llms.txt file was found at the site root. Fix: Publish /llms.txt with links to product, pricing, support and location pages.
- Browser tools exposed to agents, 3 points lost. The sign in and home pages register no browser tools for agents. Fix: Register tools for safe tasks such as location search and price lookup with navigator.modelContext.
- High assurance authorization profile, 3 points lost. No high assurance authorization features were found. Fix: Support PAR with DPoP or mutual TLS, and rich authorization requests for payments and account changes.
- Sign in page loads for a declared agent in a browser, 3 points lost. The sign in page is blocked for a declared agent but loads for a standard browser. Fix: Serve the sign in page to verified agent browsers, and use signed agent identity to separate them from attackers.
What already works
- MCP server
- OAuth and OpenID metadata
- PKCE and client registration
How Mercury compares
The average score for payments and fintech is 56.8 out of 100 across 39 organizations. The average across all 1,420 scored organizations is 42.2 out of 100.
Similar organizations
- Brex, 91 out of 100
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- Square, 80 out of 100
- Stripe, 77 out of 100