Information Density: Mercury (Mercury Technologies, Inc) – Signal Evidence & AI Readability

[H1] Radically different banking
Apply online in 10 minutes to experience banking unlike anything that’s come before.Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.Everything you do with money.
All in one place.
[H3] Business banking & more
Apply for free checking and savings accounts with zero minimums, earn up to 3.66% yield with Treasury by Mercury Advisory, and access loans to help you grow.
[H3] Cards & expense management
Earn 1.5% cashback on credit card spend, and control team expenses with cards, reimbursements, limits, and approvals all in one place.
[H3] Payments & invoicing
Send money around the world and pay bills with no fees on USD payments, create free invoices, and get paid directly into your Mercury account.
[H3] Accounting
Sync with Quickbooks, Xero or NetSuite, and save hours with AI-powered automations to close your books faster.Launch demo
[H2] Loved by 300K+ of the most ambitious entrepreneurs on the planet
[IMG: Portrait of a man sitting indoors next to a testimonial about Mercury’s speed and ease of use.]
[IMG: Portrait of a man sitting indoors next to a testimonial about Mercury’s speed and ease of use.]
SaaSUnlike most financial institutions, Mercury is built on software. Everything can be done within the app in 1-2 minutes.Karri SaarinenFounder, Linear
[IMG: Portrait of two founders next to a testimonial about how Mercury keeps pace with company-building.]
[IMG: Portrait of two founders next to a testimonial about how Mercury keeps pace with company-building.]
EcommerceBuilding an ecommerce brand with millions of customers means constant change. Mercury is the one part of our finance stack that always keeps pace.Eric Wu and Jahaan AnsariCo-Founders, Gainful
[IMG: Portrait of a woman indoors next to a testimonial about Mercury’s built-in permissions.]
[IMG: Portrait of a woman indoors next to a testimonial about Mercury’s built-in permissions.]
AgencyWe love Mercury’s interface. Built-in permissions means our accountant can easily make payments — literally one click and it’s done.Karen HalsteadFounder, Ways & MeansBanking’s been a headache. Now, it’s a head start.
[IMG: Animation that rotates through multiple credit cards stacking.]
Create cards in a couple of clicksInstantly spin up as many virtual cards as you need. Create cards for any purpose — ad spend, contractors, you name it.Watch bills pay themselvesAI reads bills, populates details automatically, and remembers past recipients — so you can approve and pay in seconds.
[IMG: Illustration of the Invoicing flow with the date, payment terms, and repeat settings.]
Get paid without a patchwork of toolsSend manual and automatic invoices, accept flexible payment methods, and manage customer details right from your Mercury account.Reconcile receipts without the runaroundEmail or upload receipts and we’ll auto-attach them to the right card transaction. You don’t lift a finger.Mercury has completely changed my expectations of what banking should do. The vision and craft is so far beyond what traditional banking can provide.Paul CopplestoneFounder and CEO, SupabaseGet started fast. And never stop moving.
[H3] Apply online in 10 minutes
Free checking and savings accounts — no in-person visits or paperwork.
[IMG: Abstract illustration depicting multiple points converging into a single focal point, suggesting simplicity and streamlined finances.]
[H3] Get a credit card instantly
Access business credit cards as soon as day one — no minimums, credit checks, or personal guarantees.Explore credit cards
[IMG: Close-up, stylized image of the corner of a Mercury card.]
[H3] Tackle banking tasks in seconds
Find any transaction, vendor, or card, or jump straight to creating payments, transfers, and more — all from one universal search bar.
[IMG: Abstract illustration depicting multiple points converging into a single focal point, suggesting simplicity and streamlined finances.]
[IMG: Close-up, stylized image of the corner of a Mercury card.]
Stop losing money to fees. Start using it to fuel your growth.
[H3] Send no-fee USD payments around the globe
$0 USD wires and $0 maintenance fees can save you thousands of dollars per year.
[H3] Earn 1.5% cashback on credit spend
Unlimited cashback automatically deposited into your account — no manual redemption or confusing points.Explore credit cards
[IMG: Illustration of a credit card with points creating a ripple effect above and below, suggesting automatic cash back.]
[H3] Earn up to 3.66% yield with Mercury Treasury
Access high-liquidity, lower-risk portfolios powered by J.P. Morgan Asset Management and Morgan Stanley.Explore Treasury
[IMG: Stylized graph with an upward trajectory, suggesting growth over time.]
[IMG: Illustration of a credit card with points creating a ripple effect above and below, suggesting automatic cash back.]
[IMG: Stylized graph with an upward trajectory, suggesting growth over time.]
Run your business like a seasoned pro
[IMG: Abstract illustration of overlapping circles, suggesting a unified view of incoming and outgoing funds.]
Total visibilityGet a clear view of all available funds and money in and out, in one snapshot.AutomationsReduce busywork with automated transfers, approval flows, and AI-powered transaction categorization.Team managementCurb team spend with card limits, spend controls, and granular user permissions.
[IMG: Abstract illustration with three dots at the center, suggesting conversation, guidance, and support.]
GuidanceChat support for all customers, plus dedicated account management for those who qualify.
[H2] You’re creating something to stand the test of time. So are we.
300K+Entrepreneurs love us1 in 3Startups choose Mercury$20B+Monthly transaction volume4.9Apple App Store ratingStandard protection stops short. Mercury goes further.
[IMG: Illustration of a bar graph demonstrating how much more FDIC coverage Mercury offers compared to traditional banks.]
20x the usual coverageGet up to $5M FDIC insurance through our partner banks and their sweep networks to ensure eligible deposits are protected.Next-level account securityKnow your account is safe with tech-forward fraud and phishing protection, MFA verification, dark web monitoring, and more.
[IMG: Illustration of three toggle switches, symbolizing controls for permissions, approvals, and access to funds.]
Controls at your fingertipsDecide who can view, move, or debit funds — with approval flows, locks, and permissions that keep you fully in control.Mercury in the spotlight
[IMG: Fortune logo]
[H2] $650M in annual revenue and profitable
[IMG: Wall Street Journal logo]
[H2] Mercury lands $300M Series C
[IMG: Fast Company logo]
[H2] Fast Company’s Most Innovative
[H2] Banking – redesigned from the ground up.
Open accountContact sales
[H2] Mercury for business
For $0/month, get started with business banking that helps you accomplish everything you want to do with your money.Explore demo
[H2] Mercury for personal
Level up your personal finances with 3.25% APY on your savings account, joint accounts, unlimited free USD wires, and more.Learn more

[H1] Radically different personal banking
A smarter way to manage, move, and grow your money. A $240/year subscription — covered with a Mercury business account.
[IMG: Personal Banking Dashboard]
[IMG: Personal Banking Mobile Dashboard]
Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.One subscription.Endless ways to optimize.
[H3] Earn 3.25% APY on your savings
Never miss an opportunity to grow with high-yield savings accounts with no minimum balance.
[IMG: Mercury personal mobile screen showing a savings account with a growing balance chart and a message that yield is automatically added each month.]
[H3] 20x your FDIC insurance
Access $5M FDIC insurance or more based on eligibility, through our partner banks and their sweep networks.
[IMG: Illustration of two bank buildings connected by a circular network symbol, representing Mercury’s partner banks]
[H3] Invest with confidence
Put your money to work and keep more of what you earn with low-fee investments right in your account.
[IMG: Mercury Invest mobile app screen showing portfolio balance, performance over time, and ETF holdings.]
[H3] Collaborate and share
Share access with anyone with custom user permissions or create a joint account with your spouse or partner.
[IMG: Babysitter]
[IMG: Mercury personal mobile screen showing a savings account with a growing balance chart and a message that yield is automatically added each month.]
[IMG: Illustration of two bank buildings connected by a circular network symbol, representing Mercury’s partner banks]
[IMG: Mercury Invest mobile app screen showing portfolio balance, performance over time, and ETF holdings.]
[IMG: Babysitter]
[H2] Build your tomorrow with the best of today’s technology
Bank without frictionSee your balances, transactions, and earnings in one place — even toggle between your business and personal accounts.Invest effortlesslyMaximize your money and minimize fees with a curated investment portfolio right in your dashboard.Move money like magicSend unlimited domestic and international wires in USD with no additional fees. Plus, set and forget auto-transfer rules between accounts.Bank without frictionSee your balances, transactions, and earnings in one place — even toggle between your business and personal accounts.Invest effortlesslyMaximize your money and minimize fees with a curated investment portfolio right in your dashboard.Move money like magicSend unlimited domestic and international wires in USD with no additional fees. Plus, set and forget auto-transfer rules between accounts.1 / 3
[H2] Make every dollar do more, without doing a thing.
A competitive APY in your savings account, powerful software, and protection for it all.Watch your savings account grow with 3.25% APYCover the cost of your subscription With a balance of $7,500 in your savings account, you’ll earn more than $240 annually at the current APY, covering the cost of your subscription.Multiply your money and simplify your investing strategyInvest confidently with a diversified portfolio for a low advisory fee of 0.1%Choose from your preferred mix of low-cost ETFs comprised of U.S. stocks and Treasury bills based on your goals and risk toleranceKeep more of what you earn with a Treasury bill ETF, typically exempt from state and local taxYour funds are always liquid so you can access your money when you need itExperience the confidence that comes with up to $5M in FDIC insurance per account owner20xThat’s how much more protection you’ll unlock compared to the industry standard via our partner banks and their sweep networks.
[IMG: Bar graph showing the difference between the industry standard of 250K FDIC insurance, and Mercury]
Make money moves without manual tasksCreate an account for every goal or expenseEnroll in direct deposit to get your paycheck earlySet auto-transfer rules between accountsSend no-fee domestic and international USD wires in secondsDrag-and-drop bills to pay them in a click
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[H2] Room for everyone in your life
Joint accountsCardsPermissionsApprovals
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[IMG: joint accounts]
Create a joint account for your shared financesOne joint account for up to four account owners is included with your annual subscription.Create cards for any user or use caseIssue debit cards with custom limits and permissions tailored to a user, designated budget, or a specific merchant.Custom accounts for your family and teamAdd additional users with custom permissions for your spouse, personal assistant, financial advisor, or anyone who needs access.Approve or decline payments in a clickAllow users to send payments on your behalf — you set the limits and have the option to review before approving.
[H2] All yours for $240/year.Free alongside a business account.
One login. All your money moves. Included with eligible business accounts.Included3.25% APY on savings accountsIncludedUp to $5M FDIC insurance through partner banks' sweep networksIncludedUnlimited no-fee domestic wires, ACH, and check paymentsIncludedReimbursed ATM fees worldwideIncludedDebit cards with no foreign transaction feesIncludedMultiple checking and savings accountsIncludedAdditional accounts and debit cards for any use caseIncludedOne joint accountIncludedAccess to InvestIncludedInternational wires in USDComing soonRevocable trust accounts
[IMG: Testimonial - Dwarkesh Patel]
[IMG: Portrait of a customer, Dwarkesh Patel, in a studio space, at a desk with papers, books, and podcasting equipment nearby.]
After years with a traditional bank, I decided to move my personal money to Mercury. It's made everything — even little things like auto-transfer rules and moving funds between accounts — so much better.Dwarkesh PatelFounder of Dwarkesh Podcast
[H2] Frequently asked questions
[H3] What does my subscription cover?
Your all-in-one $240 annual subscription fee covers everything your Mercury Personal account is capable of. And, as a business customer, a free subscription to Mercury Personal comes included. That means the $240 annual fee is waived for you as long as you remain a user on an eligible business account.Your Mercury Personal account includes one individual account and one joint account with up to four account owners. It also comes with multiple checking and high-yield savings accounts and additional users and debit cards for any use case. There’s no limit to payments, domestic or international USD wires, transfers between accounts, or ATM withdrawals, and no foreign transaction fees. For non-USD international wires, you’ll just pay 1%. You can view your rate before completing a transfer.
[H3] Are my deposits FDIC-insured?
Deposits held in checking and savings accounts are FDIC-insured up to $5M per depositor, per insured bank, through our partner banks and their sweep networks, subject to certain requirements. You can learn more about FDIC insurance here.
[H3] What are my options for investments?
You can invest in your desired mix of low-cost ETFs comprised of U.S. stocks and Treasury bills directly from your Mercury account — no separate app or account needed.
[H3] Who can invest with Mercury Personal?
Invest is currently available for individual and joint account holders on Mercury Personal.
[H3] Are there fees associated for investing with Mercury Personal?
Yes. Mercury charges a 0.10% annual advisory fee, deducted monthly. The ETFs and Treasury funds you invest in also have standard expense ratios set by the issuers.
[H3] What do you do for account security?
Mercury makes security a top priority. Here are some measures we take to ensure your security:Require HTTPS on all pages, and use HSTS to ensure browsers only ever connect to Mercury over a secure connection.Employ a third party to perform penetration testing each year to check for vulnerabilities.Hash and store all passwords with the bcrypt algorithm — never as plaintext.Use time-based one-time passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.Encrypt our database and all uploaded images, with additional encryption for sensitive data like social security numbers.Never store your debit or credit card numbers.Learn more on our Security page.
[H3] How can I contact support?
Once logged into your Mercury Personal account, you can send a message to our support team any time. Plus, you can always get in touch with us via email at [email protected].
[H2] Your money deserves better
It's time personal banking got an upgrade.

[IMG: IO card]
[IMG: IO card]
[H1] The business credit card that scales with you
Unlock unlimited 1.5% cashback and build business credit from day one if you're eligible — then grow your spending power and equip your team with cards as you scale. Exclusively for Mercury account holders.The IO Card is issued by Patriot Bank, N.A., Member FDIC, pursuant to a license from Mastercard International Incorporated.
[H2] A card for day 1 to day 1,000 — and beyond
1.5% cashback on all spendEasy and straightforward rewards.Limits that scale with youUnlock more spending power as your balance grows with limits based on cash balances.Access on day one for eligible orgsStart with daily payments, then unlock higher limits and monthly payment schedules with a 15K balance.Build business creditAutomatic reporting to major credit bureaus.Expense management toolsInvite your team and issue cards with built-in controls that help you scale spending safely.No personal guaranteeAccess IO with zero impact to your personal credit.
[H2] Scale confidently with powerful spend management tools
CardsControlsDocumentationSubscriptionsPermissions
[IMG: Physical IO card with virtual cards in the background]
[IMG: Physical IO card with virtual cards in the background]
Cards for your teamIssue as many cards as needed — individually or in bulk with our HR and payroll system integrations.Spend controlsSet custom limits and expiration dates for team members’ cards, and even lock cards to specific merchants.Receipt policiesRequire receipts, memos, and categories — and automatically match receipts to transactions.SubscriptionsView all company card subscriptions in one place, and easily spot and cancel duplicates.PermissionsGrant team members card-only access,
limiting who can see your account details.
[H2] Accelerate your growth with the IO Mastercard
Increase cash flow with automatic cashbackUnlimited 1.5% cashback on all spendAutomatically deposited into your accountNo confusing points systemNo manual redemption
[IMG: IO credit card highlighting 1.5% cashback]
Easy to access, flexible to scaleLimits are based on your total balance in MercuryGet higher credit limits as you grow and connect external accounts for even higher limitsStart spending immediately with virtual cards
[IMG: Bar chart showing IO credit limit higher than traditional banks]
Get time back with built-in finance automationsSync transactions to QuickBooks, Xero, and NetSuiteAutomate categorization with accounting rulesLet AI automatically code your transactions and expenses
[H2] There’s more to IO
No interest or annual feesMastercard Zero Liability and Fraud ProtectionDiscounts on tools like Microsoft and AdobeCan help improve your business credit scoreSupport when you need it
[H2] Just one part of Mercury’s full financial platform
Open accountExplore demo
[IMG: Abstracted UI showing various accounts: checking, savings, and credit.]
[H2] Business Banking
Checking and savings accounts with up to $5M in FDIC insurance through our partner banks and their sweep networks.
[IMG: representative Treasury portfolio]
[H2] Treasury
Earn yield on idle cash right alongside your operating accounts.
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[H2] Expense Management
Experience hassle-free employee expense management with corporate cards and reimbursements together.
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[H2] Venture debt
Supercharge your growth and extend your runway with Mercury Venture Debt.
[IMG: Showing logos of available perks, like Google Cloud.]
[H2] Startup perks
Get discounts on hundreds of popular tools, including AWS and Google Cloud.
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[H2] SAFEs
Easily create and manage SAFEs right inside Mercury, plus potentially save money on legal fees.
[H2] If you have questions, we have answers
See all FAQs
[H3] How do I sign up for IO?
To access IO, you’ll first need to apply for a Mercury account. Once your account is open, you may be eligible for IO immediately — there’s no separate application.Your IO eligibility and credit limit are based on your total balances with Mercury.New customers with lower balances can start using IO right away with daily repayment terms.Once your balances reach $15K, you can switch to 30-day repayment terms.We do not run a credit check during the IO sign-up process, so your personal credit score will not be considered or affected.If you are a current Mercury account holder, go to the Credit Card section in your Mercury dashboard to find out if you are eligible for IO.
[H3] How do I earn 1.5% cashback?
When you spend with IO, you’ll earn unlimited 1.5% cashback on every purchase. You can use IO anywhere that accepts Mastercard credit cards. Your cashback will be automatically deposited into your account once you pay your balance.
[H3] What will my credit limit be?
Your IO credit limit is based on the total balances you hold with Mercury — and also on any external bank accounts you choose to link. This helps us understand your financial position more fully and extend a limit that scales with your business.Your limit might increase as your Mercury balance increases, but your credit limit may also decrease. Currently, we reassess your business limit following large withdrawals and deposits.
[H3] How often do I need to pay off my IO balance?
Like most business credit cards on the market, IO is a charge card, which means that you will need to pay off your full IO balance every pay period. How often you repay depends on the size of your balance. Daily repayment: New customers with lower balances start on daily terms. Your balance will automatically be paid off each business day.Monthly repayment: Once your balances reach $15K, you can switch to 30-day repayment terms. We’ll deduct your full balance automatically each month from your chosen Mercury account.You can always pay off your balance early, too — in full or in part. If you do, cashback is credited in proportion to the amount you paid.
[H3] Does IO have any fees?
We don’t charge annual fees on IO cards, and because you’ll pay off your IO card automatically each month, you won’t incur any interest. However, we do charge an international transaction fee on non-USD IO card transactions. Note that this fee won't be returned, even if your original transaction is refunded.Customers have the option to select a paid Mercury plan (starting at $35/month). IO card features are free to use, though if you want to use our enriched NetSuite accounting automations to sync your IO card transactions to NetSuite, you’ll have to upgrade to a paid plan. QuickBooks and Xero enriched automations, as well as the ability to import bank feed connections across QuickBooks, Xero, and NetSuite, are free. Learn more about pricing.
[H3] What expense management features does IO have?
IO has a suite of expense management features to help you scale your team and grow your business, with confidence and control.Issue physical or virtual cards to your team, either individually or in bulk with our HR and payroll system integrations.Grant card-only access to team members to control who can view your account details.Set custom daily, weekly, or monthly spend limits for individual team members, as well as custom card expiration dates.Create cards locked to specific merchants (from our list of over 1,000 merchants) with custom spend limits on those merchants, or enable company-wide merchant and category restrictions.Set up company-wide spend policies requiring employees to upload receipts or add notes for card transactions above a specified amount.Upload or email receipts to Mercury and we’ll automatically match them to the right transaction.View your company's debit and credit card subscriptions in one place, and get notified about new or duplicate subscriptions.
[H3] How is IO related to Mercury?
IO is part of Mercury’s suite of banking products and credit cards for ambitious companies. Your Mercury account comes with:Checking and savings accounts with up to $5M in FDIC insurance through our partner banks and their sweep networks.Treasury management with up to 3.66% yieldDebit cards, and credit cards for eligible customersReimbursements for out-of-pocket expensesExpense management features to control your team’s spendACH, check, and wire transfer paymentsZero fees on any payments made in USDAccess to venture debt and our Investor DatabaseMercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
[H3] Does IO build business credit?
Yes, using IO may help your company establish a strong credit history and improve your business credit score. Mercury reports IO payment history to Experian, Equifax and Dun & Bradstreet, three major business credit bureaus. Reporting your IO payments can help your company establish a strong credit history, improve your credit score, and open doors to more opportunities for growth and financing.
[H2] Ready, set, grow
Start spending – and growing – with credit cards available to Mercury account holders.Open account

[H1] Pricing that fits your business
Banking services and essential tools are always $0/mo — with more plans available as your business grows.Compare plansAnnual Pricing (15% off)$00$0/mo.$0 per monthPowerful banking and finance essentials included with every account.Open Account
[H2] Jump to section:
BankingSending and receiving moneyAccess to Treasury*Company cardsExpense managementInvoicingBill pay AccountingTaxes*Treasury is unlocked with $250K Mercury balance$2395. 9 0 $29.90/mo.$29.90 per monthFor businesses that need more efficiencies and streamlined invoicing.Open Account
[H2] Everything you get with a Mercury account, plus:
Invoice with ACH debit ($1/transaction)Recurring invoicesInvoicing API (500 invoices created/month)Multiple GL codes for bill paymentsReimburse up to 20 users/month+ $5/additional active userUnlimited 1099 tax filings$50 off eligible LegalZoom Compliance Plans6 months free Xero$239590$299/mo.$299 per monthFor businesses with complex operations that need a relationship manager.Open Account
[H2] Everything you get with Plus, and more:
Relationship managerInvoice with ACH debit ($0/transaction)Invoicing API (unlimited invoices created/mo)NetSuite categorizationsReimburse up to 250 active users+ $5/additional active userUnlimited 1099 tax filings$50 off eligible LegalZoom Compliance Plans6 months free XeroGet in touch with our team for custom pricing and plan options.Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC. Deposit insurance covers the failure of an insured bank.
[H2] Compare our plans
Expand allMercuryMercury PlusMercury ProPlan typePlan typeBankingSending and receiving moneyTreasuryCompany cardsExpense managementInvoicingBill PayAccountingTaxesPlatformSecurity and complianceSupport and servicesPartnersMercury is built for entrepreneurs. All of my businesses are under one login and I can do anything I need myself – make new accounts, transfer funds between them, and pay international vendors without hidden fees.Allen WaltonFounder & CEO, SpyGuy
[H2] Pricing FAQ
[H3] What does it cost to use Mercury for businesses?
Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing. Customers have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month.If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our business checking and savings bank accounts are free for everyone. Anyone can send payments from their Mercury account without subscribing to a paid plan. When you're ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.
[H3] How does Mercury make money?
Even though opening a Mercury account is free, we make money in a number of different ways. We earn interest on deposits, foreign exchange processing on international wires, and fees paid on Mercury Treasury and Mercury Venture Debt. Additionally, when you use your debit card or IO credit card, Visa and Mastercard charge a fee to the merchants — we receive a percentage of this fee, known as interchange. We also have subscription revenue from our financial workflows products and Mercury Personal.
[H3] How do you price currency exchange?
There is a 1% conversion fee for non-USD international wires. This helps us cover the cost associated with sending money internationally through the SWIFT network. If your company is exchanging >$200K, reach out to us to chat about fees.Additionally, we charge an international transaction fee on non-USD debit and credit card transactions.
[H3] Is wiring USD internationally really free?
As a Mercury customer, you have the option to send USD international wires for free. We offer two options for how those wires are processed. The first, coded as SHA, is standard among most banks and while free to you, may result in intermediary bank fees that are absorbed by your recipient. The second, coded as OUR, gives you the option to pay a flat fee of $15 so that any intermediary fees will be charged back to Mercury, making it more likely your recipient will receive the full amount.
[H3] Does it cost money to use Mercury debit or IO credit cards?
All USD transactions on Mercury debit cards and IO credit cards are free, however, non-USD transactions are subject to an international transaction fee. We don’t charge annual fees on IO credit cards; and because you’ll pay off your IO account balance automatically each month, you won’t incur any interest.If you want to use our enriched NetSuite accounting automations to sync your IO card transactions to NetSuite, you’ll need to upgrade to a paid Mercury plan (starting at $35/month). QuickBooks and Xero enriched automations, as well as the ability to import bank feed connections across QuickBooks, Xero, and NetSuite, are free. Learn more about pricing.
[H3] What does it cost to use Mercury Invoicing?
Customers can create, send, track, and receive payments on as many invoices as they’d like in the free version of Mercury. Advanced financial workflows and invoicing capabilities, like sending recurring invoices and including logos and preferred color schemes, are available as part of our paid plans (starting at $35/month). Learn more about pricing here. It’s free for customers to pay you by ACH transfer, wire, or check through Mercury. Stripe charges a processing fee for each credit card payment, which is typically 2.9% + $0.30. Mercury charges an international transaction fee on non-USD debit and credit card transactions.
[H3] What does Mercury Bill Pay cost?
It does not cost anything to make payments with Mercury Bill Pay. Anyone can process unlimited bills for free through their Mercury business and personal checking and savings accounts.
[H3] What is the difference between using Mercury Bill Pay and sending a payment from your Mercury account?
While anyone can easily send payments from their Mercury account, using Mercury Bill Pay gives you more precision and control and allows you to pay bills more efficiently. Using AI, Mercury Bill Pay automatically extracts data so there is no need to copy and paste invoice information. Bill Pay allows you to receive bills to a dedicated bill inbox, which helps you manage and prioritize your unpaid bills, organizing them by approval status and due dates. Lastly, Bill Pay allows you to sync your bill data directly to your accounting software.
[H3] What does it cost to use expense reimbursements?
It is free to enable expense reimbursements for your whole company, no matter how many users you have on your Mercury account, and it is free for users to submit expenses. You can reimburse expenses for up to 5 active users per month free of charge.If you need to reimburse expenses for more than 5 active users in a given month, you will need to upgrade to a paid plan (starting at $35/month). Our paid plans include other capabilities such as premium invoicing features and enriched NetSuite accounting automations. Learn more about pricing here.
[H3] What does it cost to use Mercury’s accounting automations?
QuickBooks and Xero enriched automations, as well as the ability to import bank feed connections across QuickBooks, Xero, and NetSuite, are free. Additionally, many of our employee spend and expense reporting features — like debit and IO credit cards, receipt policies and reminders, and user permissions for your team — are free.Customers have the option to select a paid plan (starting at $35/month) to use our enriched NetSuite accounting automations, as well as to reimburse more team members and access advanced invoicing features. Learn more about pricing.
[H3] Is there a minimum balance requirement for Mercury Treasury?
Mercury Treasury is currently available to users with account balances over $250,000 across all Mercury accounts. We hope to open Mercury Treasury to all users in the future.
[H3] What does it cost to use Mercury for personal use?
Mercury Personal gives you powerful personal banking for one all-inclusive subscription of $240/year. If you have a Mercury Business account, Mercury Personal is included at no additional cost as long as your account remains active and in good standing. For standalone Personal accounts, your subscription is debited directly from your personal account once per year on the date you signed up.Learn more about how Mercury Personal can help you optimize your personal finances here.