LaunchWithConfidence

Ecommerce banking, cards, and capital

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Mercury dashboard on a gradient background

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.

Everything you need to run your ecommerce finances

Powerful business banking, without the fees

Open Account
  • Fee-free banking and payments, including international (USD) wires
  • Auto-transfer rules to organize and allocate your revenue
  • A single place to manage all of your ecommerce finances
UI showing revenue account funds being distributed by percentage to other accounts: inventory, ops, and taxes.

Corporate cards and spend management tools

Explore Cards
  • Easily create physical and virtual cards for you and your team
  • Set up custom spend limits and card-only access
  • Get up to 1.5% cashback1 on all credit spend with the IO Mastercard2
Mercury’s IO credit card.

Financial workflows for all the ways your money moves

Explore Workflows
  • Drag-and-drop bills to pay your vendors effortlessly
  • Easily request and store tax documents from vendors and contractors
  • Create professional invoices for your wholesale customers

Cash to fund what’s next?
Add to cart.

Mercury Working Capital
Working Capital dashboard

Flat-fee pricing and competitive rates

Easy-to-understand terms so you know your true cost of capital.

Fixed weekly repayment schedule

Forecast your finances without the unpredictability of revenue-based payback.

Long-term partnership

Get a helpful consultant with ecommerce expertise as you run, grow, and scale.

Better online banking for ecommerce businesses

Mercury is so intuitive and saves us so much time. Plus, free international USD transfers save us a ton of money when we pay our suppliers overseas.

Mark Zhang

CEO

Manta Sleep

Ecommerce

As a Canadian citizen with a US-based business, getting an account with a traditional bank was really difficult. With Mercury, creating an account was easy.

Morgan Ioffe

Founder

Tropic Labs

Ecommerce

Virtual accounts, unlimited accounts, accounts with custom names. An app that actually works. You’d think these things would be common sense, but only Mercury truly nails them.

Jimmy Hayes

Co-founder

Minaal

Ecommerce

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Frequently asked questions

You’ll need your company’s official formation documents, your IRS-issued EIN document (for U.S. entities only), and a picture of the government ID (e.g., a passport or U.S. driver’s license) for each founder or majority owner of your company. You'll also need to provide some information about your company and each company owner.Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address. Our customer base includes startups and ecommerce companies, as well as venture capital firms with entities in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Upon applying, we’ll review to ensure you have up-to-date formation documents and otherwise satisfy our onboarding requirements.We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed here.For more information on eligibility and required documents, please see this article.

Yes, we’re proud to support U.S. companies founded by people across the globe, as well as founders and venture capital firms with an entity based in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Customers must have some type of existing or planned operations in the U.S. and a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, PO box, or UPS box address.We cannot currently support accounts for business with founders or financial controllers living in the countries and regions listed here.We’d love to support residents of more countries over time, so let us know at hello@mercury.com if you live in one of the above countries and we’ll let you know if anything changes.

Mercury checking and savings deposits are FDIC-insured up to $5M3 through our partner banks and use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.

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.

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 Treasury4 and Mercury Venture Debt. Additionally, when you use your debit card or IO credit card5, 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.

Yes, you can send checks for free through your Mercury dashboard by going through the Send Money flow. For now, we don’t issue checkbooks and third-party checks can’t be drawn on Mercury accounts.

Mercury Working Capital offers loans with competitive terms designed to help ecommerce businesses grow. A working capital loan is a great option for ecommerce businesses who need short-term financing to bridge the gap between outgoing expenses and incoming revenue. These loans are especially useful when gearing up for a busy season (like the holidays) and the funds can help cover expenses such as payroll, rent, inventory purchases, and other short-term liabilities that you might otherwise have trouble covering when dealing with cash flow fluctuations.The best way to find out if you’re eligible for Mercury Working Capital is by going through our quick eligibility questionnaire.

Open your account in 10 minutes or less

Powerful banking for ecommerce businesses looking to operate at their best.
Open Account

Disclaimers and footnotes

    Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC. Deposit insurance covers the failure of an insured bank.

    This page was reached through the use of an affiliate link. Certain affiliates may earn a commission from approved applications received through these links.

  1. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard. Cashback is automatically credited to your linked checking account when your monthly repayment is processed. If you make an early payment (full or partial), you’ll receive cashback proportional to the amount paid. Your Mercury accounts must be open and in good standing to receive cashback. Cashback rewards may be forfeited if your account is closed or pending closure based on a violation of any applicable terms. Mercury may modify or terminate the cashback program at any time, and any promotional offers or other changes will be communicated by email or on our website. If you have questions about your cashback, please contact Mercury at help@mercury.com.

  2. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard.

  3. Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are offered by our bank partners Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep network banks. Certain conditions must be satisfied for pass-through insurance to apply. Learn more here.

  4. Mercury Treasury, by Mercury Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 4.44% annually on your idle cash. Net yield numbers as of , and assumes total Mercury deposits of $20M+.

    Treasury accounts are advised by Mercury Advisory LLC, an SEC-registered investment adviser (“Mercury Advisory”), and are custodied by Apex Clearing Corporation, a registered broker dealer and member FINRA / SIPC. Treasury accounts are not FDIC insured. For additional information about advisory services provided by Mercury Advisory, please refer to its ADV Wrap Fee Brochure.

    The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.



    Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Mercury Treasury and to provide general background information on such algorithmic investment program.



    This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms.



    Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.



    Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Mercury Treasury strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.



    Mercury Treasury is not insured by the FDIC. Mercury Treasury are not deposits or other obligations of Choice Financial Group, Column N.A., or Evolve Bank & Trust, and are not guaranteed by Choice Financial Group, Column N.A., or Evolve Bank & Trust. Mercury Treasury products are subject to investment risks, including possible loss of the principal invested.

  5. The Mercury Debit Cards are issued by Choice Financial Group, Column N.A., and Evolve Bank & Trust, Members FDIC, pursuant to licenses from Mastercard. The IO Card is issued by Patriot Bank, Member FDIC, pursuant to a license from Mastercard.