An outside AI agent matched Mercury's 1099 page to the cent. Mercury's agent tools still leave out three things the job needs.

The job: Send a 1099 to each contractor paid $2,000+ in 2026; each needs a W-9.
The test: Can an outside AI agent answer "Who needs a 1099, and what's missing?" through Mercury's CLI and MCP?
Why this job: A hard deadline, and Mercury's 1099 page grades every answer.
What I found: Totals matched to the cent. Agents can't see payee IDs in MCP's payment list, a W-9's type or status, or every 1099-page payee.
Still open: Do customers feel this? Five conversations next. Production may differ from the sandbox.

01 · Coverage

Mercury's agent tools can't yet see what its dashboard knows. Three changes would fix that.

	Dashboard	API	CLI	MCP text	MCP structured
Payee ID, payment list
Payee ID, one payment
W-9 file
W-9 form type	label only
W-9 status
Every 1099-page name

✓ yes ✗ no ○ untestedSandbox data

01Put the payee ID in MCP's payment list
02Return each W-9's form type and status
03List every 1099-page payee for agents

✓5/5totals match Mercury's 1099 page ✗0/100MCP list rows carry a payee ID

Sourceraw/20261008T045355Z-demo (2026-10-08 04:53 UTC) · raw/20261002T074057Z-read/009_transactions_p1.json · raw/20261002T194232Z-fields · raw/20261002T150844Z-mcp/022_call_listTransactions.json · raw/20261002T150844Z-mcp/035_call_getTransactionById.json · raw/screenshots (FINDINGS 2b, 16, 21, 35, 39)

02 · Framing

A January tax deadline is a fair test of outside agents on Mercury

What: Who was paid $2,000+ in 2026; which W-9s are missing?
Why: Mercury's 1099 page grades every answer to the cent.
Who: Businesses paying contractors, their bookkeepers, and their agents.
When: By Feb 1, 2027; W-9s come first.
Where: Outside agents via MCP, CLI and API. Command untested.
How: I built a read-only agent tool with Claude Code.
How much: Unknown until customer interviews (K5).

NowOct 8
DecCollect W-9s
Feb 1, 20271099-NEC due

IRS due date

SourceIRS i1099mec (Rev. 12/2026) · raw/docs/2026-10-03_mercury-1099-filing-faq.md · job-boards.greenhouse.io/mercury/jobs/6107075004 · REQUIREMENTS.md · CUSTOMER_QUESTIONS.md

03 · The answer

Through the CLI, an agent's totals match Mercury's 1099 page to the cent

Click a square for its evidence.

4 need action

10 W-9 problems (test files)

79 under $2,000

✓ yes ✗ no ○ untested✓5 of 5 totals match Mercury's 1099 page, to the cent.Sandbox data

1Alex RiveraNeeds a 1099 · $47,500✓
2Wire PersonNeeds a valid W-9 · $24,005✓
3IRS Tax Payment RecipientNeeds review · $5,000✓
4Patient PayeeNeeds review · $5,000✓

Sourceraw/20261008T045355Z-demo/packet.json (payments matched by payee ID) · raw/screenshots/2026-10-02_1099-filing_add-recipients.png · readiness/sandbox_report.py · FINDINGS 16, 21

04 · Mercury's stack

The same payment reaches an agent with its payee ID through the CLI, and without one through MCP's payment list

Mercury APIOne paymentWire Person · $19,005 · Sep 25, 2026

CLItransactions list
✓payee ID 0e7fadae…60 of 60 payments
MCPlistTransactions
✗name only0 of 100 rows
MCPgetTransactionById
✓text✗structuredone call per payment

✓ yes ✗ no ○ untestedSandbox data

3 payees here are named “Banned Recipient”: a name join merges them.

Sourceraw/20261008T045355Z-demo/transactions.json · raw/20261002T150844Z-mcp/022_call_listTransactions.json · raw/20261002T150844Z-mcp/035_call_getTransactionById.json · FINDINGS 3, 23

05 · Mercury's stack: MCP

In 6 of Mercury's MCP tools, the structured answer drops data the text carries, including the payment list

37tools listed
29called
27answered
12returned two forms
6✗drop data the text carries

✓ yes ✗ no ○ untestedSandbox data

The six: getAccounts, listCards, getRecipients, listTransactions, getAccount, getTransactionById. Dropped: payee ID, payee files, next-page cursor.

Sourceraw/20261002T150844Z-mcp/008–036 · MCP spec 2025-06-18 (server/tools) · FINDINGS 6, 34, 41, 45

06 · W-9 verdict

A person can see when a W-9 fails. In the sandbox, an agent can't.

In the sandbox, no reading reached the API, CLI or MCP.

Mercury sandbox dashboard, 1099 Filing panel for PROBE-2026-10-02 A Individual. W-9 Status: Processing Error. W-9: h2h-riley-park.fillable.pdf. — Mercury's dashboard

What an agent gets

id: 2002c8f8…
recipientId: 786f10c8…
fileName: h2h-riley-park.fillable.pdf
url: ‹temporary download link›
uploadedAt: 2026-10-02T18:50:23.672277Z

✗No form type
✗No W-9 status

✓ yes ✗ no ○ untestedSandbox data

Sourceraw/screenshots/2026-10-02_probe-a_dashboard-upload_processing-error.png · raw/20261008T045355Z-demo/attachments.json · raw/20261002T194232Z-fields · HEAD_TO_HEAD.md · FINDINGS 33, 37, 39

07 · Proof

2 of 5 pre-set tests pass; the two that decide whether this matters are still open

K1Decisive

Mercury's reader vs mine

○Open

Not answerable in the sandbox: all 11 uploads failed.

My W-9 reader

✓Pass

25 of 25 typed W-9s exact

Registry name match

○Open

Not built yet

Totals match Mercury's

✓Pass

5 of 5, to the cent

K5Decisive

A business tries it

○Open

Not started: five conversations planned

Sandbox and test data

SourceREQUIREMENTS.md (K1–K5, set before the build) · raw/20261002T082250Z-w9eval/results.json · HEAD_TO_HEAD.md · CUSTOMER_QUESTIONS.md

08 · Risks

Five things could still make this wrong, and here's how each is checked

Likelihood

High

2Test files

1Sandbox

Medium

5Dashboard-only payees

3Name match

Low

4Tax-year date

LowMediumHigh

Effect

My assessment

1Run it read-only on real accounts, with consent
2Rerun K2 on real W-9s, shared with consent
3Name-only matches go to review; a person confirms each
4Test a year-end payment on a real account
5Compare the agent's payees with the 1099 page by hand; change 03 asks Mercury to list them

Sourcerisks.json (my assessment) · FINDINGS 21, 28, 37, 39, 44 · HEAD_TO_HEAD.md · raw/20261008T045355Z-demo/transactions.json

09 · Next

Recommendation: three changes for Mercury. My next step: five customer conversations, then continue, change or stop.

01Put the payee ID in MCP's payment list
02Return each W-9's form type and status
03List every 1099-page payee for agents

Five customer conversations

How many describe a concrete recent problem?

3 or moreContinue: a read-only pilot
Exactly 2Talk to 3 more
Fewer than 2Change or stop

Set before the calls

SourceCUSTOMER_QUESTIONS.md (decision rule) · FINDINGS 3, 6, 21, 33, 34, 37, 39 · REQUIREMENTS.md

Crispin GathuruPortland, ORreadiness-1099.pages.devAlso built: Get-Pruuf (live Oregon contractor records)

Fact	Dashboard	API	CLI	MCP text	MCP structured
Payee ID, payment list	○the dashboard's payment list wasn't checked	✓60 of 60 payments074057Z-read/009	✓60 of 60 payments045355Z-demo/transactions	✗0 of 100 rows150844Z-mcp/022	✗no counterpartyId150844Z-mcp/022
Payee ID, one payment	○the dashboard wasn't checked	○no single-payment call saved	○no single-payment call saved	✓counterpartyId in the text150844Z-mcp/035	✗no counterpartyId150844Z-mcp/035
W-9 file	✓shows the filescreenshot (FINDINGS 39)	✓17 files194232Z-fields	✓17 files045355Z-demo/attachments	✓9 files150844Z-mcp/016	✗no structured result lists a file150844Z-mcp
W-9 form type	○label only: the file list calls every file “W9 Document”, even one that says it is not a W-9screenshot (FINDINGS 2b)	✗no taxFormType or formType194232Z-fields	✗no taxFormType or formType045355Z-demo/attachments	✗no taxFormType or formType150844Z-mcp/016	✗no files at all150844Z-mcp
W-9 status	✓“Processing Error”screenshot (FINDINGS 35, 39)	✗no status field194232Z-fields	✗no status field045355Z-demo/attachments	✗no status field150844Z-mcp/016	✗no files at all150844Z-mcp
Every 1099-page name	✓the 1099 page itselfscreenshot (FINDINGS 16, 21)	✗missing: ABC Consulting Group, John Smith194232Z-fields/001	✗missing: ABC Consulting Group, John Smith045355Z-demo/recipients	✗missing: ABC Consulting Group, John Smith150844Z-mcp/016	✗missing: ABC Consulting Group, John Smith150844Z-mcp/016

Fact

Dashboard

API

CLI

MCP text

MCP structured

Payee ID, payment list

○the dashboard's payment list wasn't checked

✓60 of 60 payments074057Z-read/009

✓60 of 60 payments045355Z-demo/transactions

✗0 of 100 rows150844Z-mcp/022

✗no counterpartyId150844Z-mcp/022

Payee ID, one payment

○the dashboard wasn't checked

○no single-payment call saved

✓counterpartyId in the text150844Z-mcp/035

✗no counterpartyId150844Z-mcp/035

W-9 file

✓shows the filescreenshot (FINDINGS 39)

✓17 files194232Z-fields

✓17 files045355Z-demo/attachments

✓9 files150844Z-mcp/016

✗no structured result lists a file150844Z-mcp

W-9 form type

○label only: the file list calls every file “W9 Document”, even one that says it is not a W-9screenshot (FINDINGS 2b)

✗no taxFormType or formType194232Z-fields

✗no taxFormType or formType045355Z-demo/attachments

✗no taxFormType or formType150844Z-mcp/016

✗no files at all150844Z-mcp

W-9 status

✓“Processing Error”screenshot (FINDINGS 35, 39)

✗no status field194232Z-fields

✗no status field045355Z-demo/attachments

✗no status field150844Z-mcp/016

✗no files at all150844Z-mcp

Every 1099-page name

✓the 1099 page itselfscreenshot (FINDINGS 16, 21)

✗missing: ABC Consulting Group, John Smith194232Z-fields/001

✗missing: ABC Consulting Group, John Smith045355Z-demo/recipients

✗missing: ABC Consulting Group, John Smith150844Z-mcp/016

Payee · decision	Paid	Mercury's page	W-9 on file	Next step · rules
1 · Alex RiveraNeeds a 1099	$47,500.0050 payments	✓ same	Alex Rivera · individual · SSN ••2233 · signed	File a 1099-NEC (box 1) by Feb 1, 2027.R-REPORT
2 · Wire PersonNeeds a valid W-9	$24,005.002 payments	✓ same	Wire Person · individual · no TIN · signed	The W-9 has no tax ID. Get a new one; until then, withhold 24% of each further payment.R-NO-TIN
3 · IRS Tax Payment RecipientNeeds review	$5,000.001 payment	✓ same	No W-9 on file	Exempt only if this was a payment to the government. The name is the only evidence, so confirm it.R-GOVERNMENT · R-REVIEW · W-GOV-NAME
4 · Patient PayeeNeeds review	$5,000.001 payment	✓ same	Patient Payee Medical Group Inc · C corp · EIN ••2223 · signed	Reportable if medical: the W-9 is for “Patient Payee Medical Group Inc”, and medical payments to corporations go on 1099-MISC box 6. Two more checks.R-CORP · R-REVIEW · W-NAME · W-INTL-WIRE · W-CORP-SERVICES

Payee · decision

Paid

Mercury's page

W-9 on file

Next step · rules

1 · Alex RiveraNeeds a 1099

$47,500.0050 payments

✓ same

Alex Rivera · individual · SSN ••2233 · signed

File a 1099-NEC (box 1) by Feb 1, 2027.R-REPORT

2 · Wire PersonNeeds a valid W-9

$24,005.002 payments

✓ same

Wire Person · individual · no TIN · signed

The W-9 has no tax ID. Get a new one; until then, withhold 24% of each further payment.R-NO-TIN

3 · IRS Tax Payment RecipientNeeds review

$5,000.001 payment

✓ same

No W-9 on file

Exempt only if this was a payment to the government. The name is the only evidence, so confirm it.R-GOVERNMENT · R-REVIEW · W-GOV-NAME

4 · Patient PayeeNeeds review

$5,000.001 payment

✓ same

Patient Payee Medical Group Inc · C corp · EIN ••2223 · signed

Reportable if medical: the W-9 is for “Patient Payee Medical Group Inc”, and medical payments to corporations go on 1099-MISC box 6. Two more checks.R-CORP · R-REVIEW · W-NAME · W-INTL-WIRE · W-CORP-SERVICES

{ "id": "1c9dbe6c-be32-11f1-9e10-dfca487ec7e1", "amount": -19005.0, "status": "sent", "kind": "outgoingPayment", "counterpartyName": "Wire Person", "counterpartyId": "0e7fadae-be32-11f1-9e10-77d840416fa9", "createdAt": "2026-09-25T07:22:41.922878Z"}

{ "id": "1c9dbe6c-be32-11f1-9e10-dfca487ec7e1", "amount": -19005, "status": "sent", "kind": "outgoingPayment", "counterpartyName": "Wire Person", "postedAt": "2026-10-02T07:22:41.922878Z" // no counterpartyId: the payee is only a name}

Tool	Field	Text output	structuredContent
`getRecipients`	payee files (`attachments`)	✓9 files	✗missing
`getTransactionById`	payee ID (`counterpartyId`)	✓present	✗missing
`listTransactions`	next-page cursor (`page.nextPage`)	✓present	✗missing; says `truncatedAt: null`
`listTransactions`	payee ID (`counterpartyId`)	✗missing	✗missing

Tool

Field

Text output

structuredContent

getRecipients

payee files (attachments)

✓9 files

✗missing

getTransactionById

payee ID (counterpartyId)

✓present

✗missing

listTransactions

next-page cursor (page.nextPage)

✓present

✗missing; says truncatedAt: null

listTransactions

payee ID (counterpartyId)

✗missing

Tools that return both forms	Filled fields the structured form leaves out · or the tools
✗ `getAccounts`	accountNumber, canSendRealTimePayments, createdAt, currentBalance, legalBusinessName, nickname, routingNumber
✗ `listCards`	accountId, budgets, createdAt, isAgentCard, name, remainingAmountCents, spendLimitType, updatedAt, userId
✗ `getRecipients`	accountNumber, accountType, attachments, bankCityState, bankCode, bankCountry, bankDetails, brazil, canada, checkInfo, chile, colombia, countrySpecific, defaultAddress, domesticWireRoutingInfo, dominicanRepublic, electronicAccountType, electronicRoutingInfo, fileName, honduras, iban, internationalWireRoutingInfo, kazakhstan, legalId, legalIdType, pakistan, paraguay, phoneNumber, realTimePaymentRoutingInfo, routingNumber, swiftCode, transitNumber, uploadedAt, url
✗ `listTransactions`	accountId, bankDescription, cardId, counterpartyNickname, externalMemo, failedAt, glAllocations, glCodeName, nextPage, page, postedAt
✗ `getAccount`	accountNumber, canSendRealTimePayments, legalBusinessName, name, routingNumber
✗ `getTransactionById`	accountId, address1, bankCityState, bankCountry, bankDetails, bankName, city, compliantWithReceiptPolicy, counterpartyId, country, createdAt, details, hasGeneratedReceipt, iban, internationalWireRoutingInfo, postalCode, postedAt, region, swiftCode
✓ Differ, nothing filled left out	listInvoices, listSendMoneyApprovalRequests, getUsers, getAccountCards, getAccountStatements
✓ Identical	getCashflowSummary

Tools that return both forms

Filled fields the structured form leaves out · or the tools

✗ getAccounts

accountNumber, canSendRealTimePayments, createdAt, currentBalance, legalBusinessName, nickname, routingNumber

✗ listCards

accountId, budgets, createdAt, isAgentCard, name, remainingAmountCents, spendLimitType, updatedAt, userId

✗ getRecipients

accountNumber, accountType, attachments, bankCityState, bankCode, bankCountry, bankDetails, brazil, canada, checkInfo, chile, colombia, countrySpecific, defaultAddress, domesticWireRoutingInfo, dominicanRepublic, electronicAccountType, electronicRoutingInfo, fileName, honduras, iban, internationalWireRoutingInfo, kazakhstan, legalId, legalIdType, pakistan, paraguay, phoneNumber, realTimePaymentRoutingInfo, routingNumber, swiftCode, transitNumber, uploadedAt, url

✗ listTransactions

accountId, bankDescription, cardId, counterpartyNickname, externalMemo, failedAt, glAllocations, glCodeName, nextPage, page, postedAt

✗ getAccount

accountNumber, canSendRealTimePayments, legalBusinessName, name, routingNumber

✗ getTransactionById

accountId, address1, bankCityState, bankCountry, bankDetails, bankName, city, compliantWithReceiptPolicy, counterpartyId, country, createdAt, details, hasGeneratedReceipt, iban, internationalWireRoutingInfo, postalCode, postedAt, region, swiftCode

✓ Differ, nothing filled left out

listInvoices, listSendMoneyApprovalRequests, getUsers, getAccountCards, getAccountStatements

✓ Identical

getCashflowSummary

Payee	What it tests	Upload	Mercury
Riley Park	Baseline: individual, SSN, signed	API	✗Processing Error
Quinn Studio LLC	Payee named after line 2; line 1 is Morgan Quinn	API	✗Processing Error
Granite Peak Corp	C corporation, exempt payee code 5	API	✗Processing Error
Taylor Reed	No TIN	API	✗Processing Error
Casey Morgan	Not signed	API	✗Processing Error
Ironwood Supply LLC	Scan, no text layer; LLC taxed as partnership	API	✗Processing Error
Control 1 IRS Blank Form	Can Mercury's reader handle the official file at all?	API	✗Processing Error
Control 2 Riley NoGC	Did our generator's save step cause the error?	API	✗Processing Error
Retry 1 Riley Park	Did the first job just die? (Mercury's tooltip says "try uploading again")	API	✗Processing Error
Retry 1 Taylor Reed	Same question, second sample	API	✗Processing Error
PROBE-2026-10-02 A Individual	Are dashboard uploads read when API uploads aren't?	dashboard	✗Processing Error

Payee

What it tests

Upload

Mercury

Riley Park

Baseline: individual, SSN, signed

API

✗Processing Error

Quinn Studio LLC

Payee named after line 2; line 1 is Morgan Quinn

API

✗Processing Error

Granite Peak Corp

C corporation, exempt payee code 5

API

✗Processing Error

Taylor Reed

No TIN

API

✗Processing Error

Casey Morgan

Not signed

API

✗Processing Error

Ironwood Supply LLC

Scan, no text layer; LLC taxed as partnership

API

✗Processing Error

Control 1 IRS Blank Form

Can Mercury's reader handle the official file at all?

API

✗Processing Error

Control 2 Riley NoGC

Did our generator's save step cause the error?

API

✗Processing Error

Retry 1 Riley Park

Did the first job just die? (Mercury's tooltip says "try uploading again")

API

✗Processing Error

Retry 1 Taylor Reed

Same question, second sample

API

✗Processing Error

PROBE-2026-10-02 A Individual

Are dashboard uploads read when API uploads aren't?

dashboard

✗Processing Error

{ "id": "2002c8f8-be92-11f1-93e0-07ff7dde3bce", "recipientId": "786f10c8-be33-11f1-ab7e-ebcde1b4da30", "fileName": "h2h-riley-park.fillable.pdf", "url": "‹temporary download link›", "uploadedAt": "2026-10-02T18:50:23.672277Z" // no tax-form type (taxFormType / formType) // no W-9 status: nothing says “Processing Error”}

Test	Kill if	Then	Result	Status	Rerun
K1 Mercury's reader vs mine	Mercury's parsed W-9 details (finding 2b) already include name, classification and TIN, and that reaches the API or MCP	Drop w9_check	Not answerable in the sandbox: all 11 uploads failed.	○ Open	`HEAD_TO_HEAD.md`
K2 My W-9 reader	W-9 extraction accuracy is below 95% per field on the labeled set	Stop and write it up	25 of 25 typed W-9s exact	✓ Pass	`python -m readiness.eval_w9`
K3 Registry name match	registry name-match precision is below 90% on a labeled sample	Drop registry_check	Not built yet	○ Open	`REQUIREMENTS.md`
K4 Totals match Mercury's	any payee total differs from Mercury's "Paid this year"	Fix it before anything else. If it can't be fixed, stop	5 of 5, to the cent	✓ Pass	`python -m readiness.sandbox_report`
K5 A business tries it	no real business will try it by the end of week 2	Ship it as a field report plus demo, not a product claim	Not started: five conversations planned	○ Open	`CUSTOMER_QUESTIONS.md`

Test

Kill if

Then

Result

Status

Rerun

K1 Mercury's reader vs mine

Mercury's parsed W-9 details (finding 2b) already include name, classification and TIN, and that reaches the API or MCP

Drop w9_check

Not answerable in the sandbox: all 11 uploads failed.

○ Open

HEAD_TO_HEAD.md

K2 My W-9 reader

W-9 extraction accuracy is below 95% per field on the labeled set

Stop and write it up

25 of 25 typed W-9s exact

✓ Pass

python -m readiness.eval_w9

K3 Registry name match

registry name-match precision is below 90% on a labeled sample

Drop registry_check

Not built yet

○ Open

REQUIREMENTS.md

K4 Totals match Mercury's

any payee total differs from Mercury's "Paid this year"

Fix it before anything else. If it can't be fixed, stop

5 of 5, to the cent

✓ Pass

python -m readiness.sandbox_report

K5 A business tries it

no real business will try it by the end of week 2

Ship it as a field report plus demo, not a product claim

Not started: five conversations planned

○ Open

CUSTOMER_QUESTIONS.md

#	Risk · what I know	Likelihood	Effect	If it happens	How it's checked	Findings
1	Sandbox, not productionEvery number here comes from Mercury's sandbox (a fake company, fake money). Mercury's W-9 reader failed on all 11 of my uploads there.	High	High	Findings may not hold for real accounts; Mercury's W-9 reader may work there	Run it read-only on real accounts, with consent	37, 39
2	Circular W-9 test filesMy reader was graded on 25 typed W-9s I generated, with the same form fields it reads (finding 28).	High	Medium	A perfect score overstates real-world accuracy	Rerun K2 on real W-9s, shared with consent	28
3	Exemptions decided by nameIRS Tax Payment Recipient counts as government only by its name.	Medium	High	A wrongly exempt payee gets no 1099	Name-only matches go to review; a person confirms each	7
4	Which date sets the tax yearMy totals use createdAt; MCP's list shows only postedAt (finding 44). All 57 payments here are dated Sep 25 – Oct 2, 2026, so no year boundary was tested.	Low	Medium	A Dec 31 payment posted in January lands in the wrong year	Test a year-end payment on a real account	44
5	Payees only the dashboard lists2 names on Mercury's 1099 page (John Smith, ABC Consulting Group) reach no API, CLI or MCP call; both show $0.00 for 2026, so this year's answer holds. John Smith's panel (Oct 7) shows no W-9, email or address, and not what put the name there. Mercury's FAQ says the page also lists ACH and wire pull counterparties; not yet confirmed for these. Either way, agents can't see them.	Medium	Medium	An agent's list looks complete when it isn't	Compare the agent's payees with the 1099 page by hand; change 03 asks Mercury to list them	21

Risk · what I know

Likelihood

Effect

If it happens

How it's checked

Findings

Sandbox, not productionEvery number here comes from Mercury's sandbox (a fake company, fake money). Mercury's W-9 reader failed on all 11 of my uploads there.

High

Findings may not hold for real accounts; Mercury's W-9 reader may work there

Run it read-only on real accounts, with consent

37, 39

Circular W-9 test filesMy reader was graded on 25 typed W-9s I generated, with the same form fields it reads (finding 28).

High

Medium

A perfect score overstates real-world accuracy

Rerun K2 on real W-9s, shared with consent

Exemptions decided by nameIRS Tax Payment Recipient counts as government only by its name.

Medium

High

A wrongly exempt payee gets no 1099

Name-only matches go to review; a person confirms each

Which date sets the tax yearMy totals use createdAt; MCP's list shows only postedAt (finding 44). All 57 payments here are dated Sep 25 – Oct 2, 2026, so no year boundary was tested.

Low

Medium

A Dec 31 payment posted in January lands in the wrong year

Test a year-end payment on a real account

Payees only the dashboard lists2 names on Mercury's 1099 page (John Smith, ABC Consulting Group) reach no API, CLI or MCP call; both show $0.00 for 2026, so this year's answer holds. John Smith's panel (Oct 7) shows no W-9, email or address, and not what put the name there. Mercury's FAQ says the page also lists ACH and wire pull counterparties; not yet confirmed for these. Either way, agents can't see them.

Medium

An agent's list looks complete when it isn't

Compare the agent's payees with the 1099 page by hand; change 03 asks Mercury to list them

Mercury's reader vs mine

My W-9 reader

Registry name match

Totals match Mercury's

A business tries it

Put the payee ID in MCP's payment list

Return each W-9's form type and status

List every 1099-page payee for agents

Needs a 1099 1

Needs a valid W-9 1

Needs review 2

Under $2,000, W-9 problem 10

Under $2,000 79

✓ Mercury CLI

✗ MCP listTransactions

✓✗ MCP getTransactionById

Currency Cloud Recipient

Currency Cloud Recipient 1

Currency Cloud Recipient 2

Currency Cloud Recipient 3

Currency Cloud Recipient 4

Currency Cloud Recipient 5

Currency Cloud Recipient 6

Currency Cloud Recipient 7

Currency Cloud Recipient 8

Currency Cloud Recipient 9

Currency Cloud Recipient 10

Currency Cloud Recipient 11

Currency Cloud Recipient 12

Currency Cloud Recipient 13

Currency Cloud Recipient 14

Currency Cloud Recipient 15

Currency Cloud Recipient 16

Currency Cloud Recipient 17

Currency Cloud Recipient 18

Currency Cloud Recipient 19

Currency Cloud Recipient 20

Currency Cloud Recipient 21

Currency Cloud Recipient 22

Currency Cloud Recipient 23

Currency Cloud Recipient 24

Currency Cloud Recipient 25

Currency Cloud Recipient 26

Currency Cloud Recipient 27

Currency Cloud Recipient 28

Currency Cloud Recipient 29

Currency Cloud Recipient 30

Currency Cloud Recipient 31

Currency Cloud Recipient 32

Currency Cloud Recipient 33

Currency Cloud Recipient 34

Currency Cloud Recipient 35

Currency Cloud Recipient 36

Currency Cloud Recipient 37

Currency Cloud Recipient 38

Currency Cloud Recipient 39

Currency Cloud Recipient 40

Currency Cloud Recipient 41

Currency Cloud Recipient 42

Currency Cloud Recipient 43

Currency Cloud Recipient 44

Currency Cloud Recipient 45

Currency Cloud Recipient 46

Currency Cloud Recipient 47

Currency Cloud Recipient 48

Currency Cloud Recipient 49

Currency Cloud Recipient 50

Currency Cloud Recipient 51

Currency Cloud Recipient 52

Currency Cloud Recipient 53

Currency Cloud Recipient 54

Currency Cloud Recipient 55

RecipName

Wire Person

IRS Tax Payment Recipient

RTP Person

Patient Payee

Alex Rivera

Canadian Recipient

Brazilian Recipient