All-in-one bankingfor ecommerce
Consolidate your financial stack with ecommerce banking that grows alongside your business — from bright idea to digital empire.
Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.
Trusted by dynamic companies
Less friction, more fulfillment
Free global payments in USD
Zero monthly fees & no minimums
Instant virtual debit & credit cards
Apply online from around the world
Features as well-optimized as your conversion funnel
Global payments
Pay vendors all around the world for free
Send international payments in USD for free, or leverage our flat 1% currency conversion fee when you send payments in a different currency.
Smarter spending
Create virtual debit and credit cards instantly
Assign individual cards to your team with custom spend limits, lock cards to specific merchants1, and earn 1.5% cashback2 on all IO credit spend — all with no foreign transaction fees.
Payment collection
Link payment processors seamlessly
Connect with your payment processor of choice — including Shopify, Stripe, and Amazon — to easily collect payments from every new sale.
Auto-transfers
Organize cash flow with automatic transfer rules
Open multiple accounts and move money between them using foolproof auto-transfers, including percentage-based distributions and zero-balance rules.
The platform for growth-focused ecommerce brands
Capital
Access working capital from our partners
We know working capital makes all the difference when you’re trying to grow. Through our partners, we offer instant payouts, revenue-based financing, credit lines, and more.
Open Account
Banking that understands ecommerce
Transparent pricing from day one
- FDIC-insured checking & savings
- No monthly fees or overdraft fees
- Free domestic and international (USD) wires
- Free ACH transfers
- Flat 1% currency exchange fee
- 1.5% cashback2 on all credit spend
When you have questions, we have answers
See full FAQWhat do I need to apply for an account?
You’ll need a U.S. company with a federal EIN, your company’s official formation documents, and a picture of your government ID (e.g., a passport or U.S. driver’s license).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 can’t currently open accounts for founders living in the following countries: Afghanistan, Albania, Belarus, Bosnia & Herzegovina, Botswana, Burundi, Central African Republic, Congo, Democratic Republic of the Congo, Cuba, Haiti, Iran, Iraq, Kosovo, Macao, Mali, Mozambique, Myanmar (Burma), Nigeria, North Korea, Lebanon, Liberia, Libya, Nicaragua, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine (specifically, Kherson, Zaporizhzhia, Donetsk, Luhansk, and Crimea), Venezuela, Western Sahara, Yemen, and Zimbabwe.
Can I apply for an account if I’m not physically in the United States or a United States resident?
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 can’t currently open accounts for founders living in the following countries: Afghanistan, Albania, Belarus, Bosnia & Herzegovina, Botswana, Burundi, Central African Republic, Congo, Democratic Republic of the Congo, Cuba, Haiti, Iran, Iraq, Kosovo, Macao, Mali, Mozambique, Myanmar (Burma), Nigeria, North Korea, Lebanon, Liberia, Libya, Nicaragua, Pakistan, Russia, Somalia, South Sudan, Sudan, Syria, Ukraine (specifically, Kherson, Zaporizhzhia, Donetsk, Luhansk, and Crimea), Venezuela, Western Sahara, Yemen, and Zimbabwe.We’d love to support residents of more countries over time, so let us know at [email protected] if you live in one of the above countries and we’ll let you know if anything changes.
Are my deposits FDIC-insured?
Mercury checking and savings deposits are FDIC-insured up to $5M 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.
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.
How does Mercury make money?
Our primary revenue stream comes from interest earned on deposits.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 earn money on foreign exchange processing on international wires, as well as fees paid on Mercury Treasury* and Mercury Venture Debt.
Can I send checks?
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.