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Manage employee expenses in minutes

Experience hassle-free employee expense management with corporate cards and reimbursements together.
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Corporate cards and expense reimbursements

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Manage expenses your way with cards and reimbursements in one place

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Effortlessly control spend

Set granular controls and spend policies to ensure employees spend responsibly.

Keep account info private

Give users expense tools without granting access to banking.

Simplify month-end close

Sync to accounting software like QuickBooks, Xero, or NetSuite.

Get started in minutes

A simple setup, automations, and an intuitive experience save your team time.

A toolkit for time and money well spent

Use corporate cards to control spend upfront and earn 1.5% cashback

Explore Corporate Cards

  • Issue virtual or physical cards to your team for free

  • Set custom card limits and expiration dates

  • Enable merchant and category restrictions

  • Require receipts and automatically match them to transactions

  • Earn 1.5% cashback on credit spend, no annual fees

Reimburse out-of-pocket expenses with ease

Explore Reimbursements Pricing

  • Reimburse expenses for up to five active users per month for free

  • Submit expenses in seconds, with data auto-scanned from receipts

  • Reimburse expenses in two clicks, individually or in bulk

  • Set policies for receipts, notes, and submission timeframe

  • Get a snapshot view of expenses that are out-of-policy or need review

Invite teammates to access only what they need

  • Offer your team cards and reimbursements without granting access to banking

  • Add and manage employees by integrating your HR and payroll system

  • Assign tiered user permissions to co-founders, bookkeepers, employees, and freelancers

User permissions

Cut the busywork and let your team focus on what counts

Tick off just about any task on the go

Easily create cards, submit expenses, upload receipts, and more in seconds, all on the mobile app.

Minimize your finance team’s work on the month-end close

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Just one part of Mercury’s full financial platform

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Banking

Checking and savings accounts with up to $5M in FDIC insurance through our partner banks and their sweep networks.

representative Treasury portfolio

Treasury

Effortlessly earn yield on idle cash right alongside your operating accounts.

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Bill pay

Drag and drop invoices to pay vendors in a few clicks.

Image showing the actions you can take with invoices — send, remind, get paid all in Mercury.

Invoicing

Send invoices, track what you're owed, and get paid the way you want.

Imagery of accounting integrations: QuickBooks, Xero, and Netsuite orbiting around the Mercury logo

Accounting automations

Simplify reconciliation with accounting automations that streamline your financial workflows.

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Venture debt

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

Frequently asked questions

Mercury was founded with the idea of making banking better for startups. We spent our first five years creating a powerful bank account that made banking feel less like an obstacle and more like a catalyst.Now, we’re building software to run all your financial operations from that powerful bank account so your company can perform at its best — that means more precision, more control, and more focus. We call it “operational excellence.”We offer:
  • Checking and savings accounts with no monthly fees
  • The protection of up to $5M in FDIC insurance through our partner banks and their sweep networks
  • Debit and credit cards for your whole team
  • Reimbursements for out-of-pocket expenses
  • Wires, ACH, and check payments
  • Treasury management and venture debt options
  • Time-saving finance automations, including bill pay, invoicing, accounting automations, and expense reimbursements
  • Customizable permissions that keep you in control
  • The knowledge, network, and connections you need
  • An experience over 200K startups love

Our debit and IO credit cards are only available to Mercury customers. If you don’t already have an account, you can apply for one here.Once your Mercury account is approved, you can issue as many physical or virtual debit cards as you need from your dashboard. You will need to deposit up to $15K into your account to become eligible for IO. You will need to maintain an average cash balance roughly equal to $15K in your Mercury account to keep your credit account active. We do not run a credit check during the IO sign-up process, so your personal credit score will not be considered or affected.If you are a current Mercury account holder, go to the Credit Card section in your Mercury dashboard to find out if you are eligible for IO.

All USD transactions on Mercury debit cards and IO credit cards are free, however, non-USD transactions are subject to an international transaction fee. We don’t charge annual fees on IO credit cards; and because you’ll pay off your IO account balance automatically each month, you won’t incur any interest.If you want to use our enriched NetSuite accounting automations to sync your IO card transactions to NetSuite, you’ll need to upgrade to a paid Mercury plan (starting at $35/month). QuickBooks and Xero enriched automations, as well as the ability to import bank feed connections across QuickBooks, Xero, and NetSuite, are free. Learn more about pricing.

Expense reimbursements are only available to Mercury customers. If you don’t already have an account, you can apply for one here.Once your Mercury account is approved, you can enable reimbursements for your organization from your Mercury dashboard. Reimbursements will be enabled for all users on your Mercury account. Admins will be able to submit their own expenses and approve expenses for others; Employees and Custom Users will be able to submit their own expenses; and Bookkeepers will have view-only access.

When users submit their first expense, they will be prompted to connect their personal bank account to receive reimbursement payments. At this time, reimbursement payments can only be made to US bank accounts, and will be paid out in US Dollars (USD). Expenses submitted in foreign currencies will be converted to and paid out in USD.

It is free to enable expense reimbursements for your whole company, no matter how many users you have on your Mercury account, and it is free for users to submit expenses. You can reimburse expenses for up to 5 active users per month free of charge.If you need to reimburse expenses for more than 5 active users in a given month, you will need to upgrade to a paid plan (starting at $35/month). Our paid plans include other capabilities such as premium invoicing features and enriched NetSuite accounting automations. Learn more about pricing here.

You can assign GL codes to your bills, credit and debit card transactions, expense reimbursements, incoming and outgoing wires, ACH transfers, checks, and internal transfers across NetSuite, Xero, and QuickBooks. Treasury transactions are currently excluded.Mercury Invoicing doesn’t currently offer GL code categorization, but our standard bank feed imports are available via QuickBooks, Xero, and NetSuite. Once an invoice is paid, we’ll automatically sync the payment records via a bank feed. CSV file downloads are available, which you can upload to your accounting platform of choice.

No, you can add employees to Mercury without giving access to your bank account details or to other users’ transactions. When inviting someone to your Mercury team, you'll be asked to assign them a role. This role determines what they can and can't do in your Mercury account. When you assign a user the “Employee” role, they can be issued debit or credit cards or access expense reimbursements, but will have extremely limited access to your company's dashboard and will not be able to view bank account details including balance, account and routing numbers, or any other user's transactions. They will only be able to view and manage their cards and expenses, as well as submit, view, tag, and add receipts and notes to their own transactions.

Employee expenses shouldn’t cost you time

Apply in 10 minutes or less to simplify your finances, save your team time, and operate at your best.
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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.