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Simplify with bill pay and banking in one

Enhance financial precision with accounts payable automation built right into your bank account.

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Bill Pay dashboard

Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.

Handle all your bills with precision

Pay your bills more accurately with built-in software that eliminates manual work.

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.

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Control your funds from end to end

Pay bills directly from your bank account 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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Access an entire financial platform powered by the bank account

How Mercury Works
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Bank accounts

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

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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% cash back 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.


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Mercury Raise

Connect with investors, founders, and experts via our startup success platform.

Pricing that works with your business

Pay unlimited bills until August 1st. After that, get five free bills each month, or upgrade for more.

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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. Go to Payments in your left profile menu. If you don’t already have an account, you can apply for one here.

On August 1st, customers will have the option to select a paid plan (starting at $35/month). All customers can process five free bills per month, but also have the option to upgrade to a paid plan in order to pay more bills, as well as unlock certain capabilities like our enriched NetSuite accounting automations. But until August 1st, all bill pay features (including the ability to pay unlimited bills from Mercury) will be available for customers to try for free. Learn more about pricing here. If you don't need these advanced financial workflows quite yet, don't worry. Sending payments from your Mercury account will remain free to use for everyone, and 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.

While you can always send payments for free through your 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 QuickBooks, NetSuite, or Xero. If you prefer, CSV file downloads are also available, which you can upload to your accounting platform of choice.

Yes! When you’re ready to pay a vendor, request their payment details and essential tax documents (W-9 or W8-BEN) and store them in your Mercury dashboard.

Precision. Control. Speed.

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

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