Convert Mercury statement to CSV for Xero — accurate & reconciled

How Mercury statements are structured

Mercury statements are built for startup bookkeeping: a compact summary at the top shows opening balance, money in, money out, and closing balance, followed by a single continuous transaction table with a date, a description, and a signed amount column. The accounts are business-only, so descriptions skew toward ACH transfers, wires, and card spend rather than checks, though Mercury check payments appear as ordinary debit lines when they occur. Treasury and savings products produce their own statements rather than one combined file, which keeps each document single-account and single-table. Our engine reads the signed amount column directly, merges the rare wrapped wire description, and parses the summary block so the printed opening and closing balances anchor reconciliation. Beginning balance plus every extracted transaction must equal the printed closing balance; if a row is misread, the totals will not tie, and the results page reports the exact difference instead of adjusting anything silently. There is no legacy layout to trip over — Mercury statements are modern and consistent, so conversion is typically the most straightforward of any bank we handle.