All-in-one bankingfor ecommerce
Consolidate your financial stack with ecommerce banking that grows alongside your business — from bright idea to digital empire.

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 FAQ- 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.