Mercury logoThe logo for Mercury, featuring a circular emblem with abstract, interconnected swirling lines on the left, and the word "MERCURY" in clean, uppercase letters to the right.

Simplify with bill pay and banking in one

Enhance financial precision with accounts payable automation built right into your business accounts.
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Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Handle all your bills with precision

Pay your bills more accurately with built-in software that eliminates manual work.
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Stay on top of bill management

Receive a bill to your designated email and it’ll appear in your bill inbox, automatically organized by approval status and due date so you know what bills to prioritize.

Harness AI to process bills faster

As soon as a bill arrives in your bill inbox, its details will automatically populate — allowing you to easily cross-check info and eliminate manual errors.

Never pay the same bill twice

Mercury automatically detects duplicate bills, giving you an extra set of eyes and preventing you from overpaying.

UI showing how duplicate invoices are captured

Control your funds from end to end

Pay bills directly from your checking and savings accounts to eliminate the middleman and optimize your cash flow.

Hold on to your money longer

By eliminating third-party processing, you pay bills the moment you need to — allowing you to maximize your cash flow.

Pay the way you want

Schedule and send payments directly from your Mercury account via ACH, domestic and international wire, or check.

Approve bills effortlessly

Set up multi-layered approval rules and approve bills right inside Slack or Mercury’s mobile app.

Prevent unauthorized payments

Avoid sending payments to fraudulent recipients by ensuring that only known vendors are allowed to send you bills.

Close the books in record time

Use your real-time financial data and automated syncing with NetSuite, QuickBooks, and Xero to expedite reconciliation.
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Everything you need to run your finances in the same place

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Business accounts

Secure up to $5M in FDIC insurance through our partner banks and their sweep networks.

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Invoicing

Send invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking.

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Accounting automations

Simplify reconciliation with accounting automations that streamline your financial workflows.

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IO credit card

Confidently scale your team with the IO Mastercard. Earn 1.5% cashback with startup-friendly credit limits

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Treasury

Earn yield on idle cash right alongside your operating accounts.


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Venture debt

Supercharge your growth and extend your runway with Mercury Venture Debt.


Pricing that works with your business

Access powerful banking for $0/month, and advanced financial workflows starting at $35/month.

Mercury Plus

$29.90 per month

For businesses that need more efficiencies and streamlined invoicing.

Open account

Everything you get with a Mercury account, plus:

  • Invoice with ACH debit ($1/transaction)

  • Recurring invoices

  • Unlimited 1099 tax filings

  • Priority Support

  • $50 off eligible LegalZoom Compliance Plans

  • 6 months free Xero

Mercury Pro

$299 per month

For businesses with complex operations that need a relationship manager.

Open account

Everything you get with Plus, and more:

  • Relationship manager

  • Invoice with ACH debit ($0/transaction)

  • NetSuite categorizations

  • Unlimited 1099 tax filings

  • Priority Support

  • $50 off eligible LegalZoom Compliance Plans

  • 6 months free Xero

Get in touch with our team for custom pricing and plan options.
Get Mercury Personal free with any business plan. $240/year, covered.
As a founder with limited time, Mercury Bill Pay is a crucial asset. It automated what used to be a very manual process, making it easier for me to juggle day-to-day operations.

Jason Kuperberg

Co-founder, HyperWrite

FAQs

Mercury Bill Pay is an automated accounts payable solution that allows you to easily manage all your company’s bills with precision. Paying bills out of your Mercury account means that there is no middleman, giving you more visibility and control of your funds from end to end. You eliminate third-party processing of your funds and hold on to your money longer. Receive or drag and drop bills into your bill inbox and we'll automatically populate bill details for you and detect any duplicate invoices. Approve bills effortlessly and prevent unauthorized payments with a pre-approved vendor list.

Mercury Bill Pay is only available to Mercury customers. For Mercury business banking, go to your Bill Pay tabOpens in new tab in your left profile menu under Workflows. For Mercury Personal, go to Bill PayOpens in new tab under Payments in your left profile menu. If you don’t already have an account, you can apply for one hereOpens in new tab.

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.

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.

You can schedule and send payments directly from your Mercury account via ACH, domestic and international wire, or check.

Yes! Categorize a bill with a GL code right when you pay it, and your bill information will automatically sync to your accounting system (e.g., Quickbooks, Xero). You also 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. If you prefer, CSV file downloads are also available, which you can upload to your accounting platform of choice.

Learn more about pricing.

Yes! When you're onboarding a new recipient, vendor, or contractor, you can request their W-9s and W-8 BENs as part of the invite. We will send a secure link for them to fill out essential information and upload their tax documents, which will be stored in your Mercury dashboard.For existing recipients, you can request tax documents from one or multiple contacts from the Recipients section in the dashboard. Tax documents can be accessed there or through the Tax Documents section under Documents & Data.

Yes! To prepare for 1099 filings, you’ll need your recipients W-9s or W-8 BENs. From the Recipient page in your Mercury dashboard, you can select one or multiple recipients and request their tax forms all at once. Once your recipients have uploaded their tax documents, we will help you parse2 that information into a downloadable CSV file. You can save the information to a CSV file and use it for your 1099 filing. 1For specific guidance on your tax filing obligations, please consult with a qualified tax professional. Mercury  does not provide tax advice. Tax regulations can be complex and vary based on individual circumstances, so it's important to seek personalized advice from an expert who can assess your unique situation.2Only W-9s can be parsed at this time. This data is parsed using a third-party tool. While every effort is made to ensure accuracy, there may be occasional discrepancies or inaccuracies in the data due to limitations in the parsing process. We recommend verifying any critical information independently prior to finalizing documents. By using this service, you acknowledge that the parsed data may not always reflect the most current or precise details.

Precision. Control. Speed.

Operate more efficiently with bill pay built right into your Mercury account.
Open account

Disclaimers and footnotes

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.