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.
Imagery showing a transaction moving through bill pay, invoicing, and accounting workflows.

Financial workflows, simplified

Your checking and savings account should do more than hold your money. Now, it can.
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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.

Take control over all the ways your money moves

Pay bills right from your checking and savings account

Explore Bill Pay

  • Hold on to your funds for longer by eliminating third-party processing

  • Harness AI to populate bill details

  • Set up multi-layered approval rules and approve instantly on mobile or Slack

  • Never overpay with duplicate bill detection

Streamline your invoicing and get paid easier

Explore Invoicing

  • Generate polished invoices in minutes

  • Get paid by credit card, Apple Pay, Google Pay, wire, ACH transfer, and ACH debit for subscribers

  • Easily send recurring invoices and payment reminders

  • Automatically match payments to invoices for simple reconciliation

Stop worrying about payroll

  • Open a dedicated account for payroll to streamline cash management

  • Set rules to ensure your payroll account is always funded

  • Authorize your payroll provider to process ACH debits or wire drawdowns

UI showing a pre-authorization screen of a wire drawdown to payroll software

File 1099s right from Mercury

  • Collect W-9s and prefill forms with AI data extraction

  • File Federal and State 1099-NEC and MISCs for the 2025 tax season

  • Track progress and correct or void filings as needed

  • No exports or third-party tools required

1099 tax filing

Easily manage employee spend, no matter your size

The IO credit card at the center surrounded by a grid of named virtual cards with specific use cases (ex. lunch card, office supplies, etc.)

Cards for your team

Issue debit and credit cards to your whole team, and grant team members card-only access.

Learn more about IO

Cut the time it takes to close your books

Explore accounting automations
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Integrations that bring it all together

Everything you need to run your finances in the same place

Abstracted UI showing various accounts: checking, savings, and credit.

Checking and savings accounts

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

Fictional invoice highlighting three specific items: Item 1 - credit card number, item 2 - name, item 3 - total amount

Bill pay

Streamline your bill payments by powering them directly from your checking and savings account.

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 — all from where you manage your banking.

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.

Image showing a real credit card alongside several illustrated credit card designs.

IO credit card

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

representative Treasury portfolio

Treasury

Earn yield on idle cash right alongside your operating accounts.


Pricing that fits your focus

Access powerful banking for free, 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

  • Invoicing API (500 invoices created/month)

  • Unlimited 1099 tax filings

  • $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)

  • Invoicing API (unlimited invoices created/mo)

  • NetSuite categorizations

  • Unlimited 1099 tax filings

  • $50 off eligible LegalZoom Compliance Plans

  • 6 months free Xero

Get in touch with our team for custom pricing and plan options.
We use Mercury for all of our financial needs and the user experience is great! Everything is made easy — from paying bills to integrating with QuickBooks to closing our monthly books.

Anna Wangler

Head of Operations, Safara

FAQs

Mercury is radically different banking for entrepreneurs – engineered from the ground up to help you truly understand and manage your money like never before.Everything you need is built in: cards, invoicing, bill pay, spend management, and built-in AI that surfaces real-time insights and drives financial work end-to-end. And because it all lives in one place, it gets smarter the more you use it – surfacing what you need, when you need it, in ways a patchwork of tools never could.We offer:
  • Free business checking and savings accounts with no minimums or monthly fees
  • Up to $5M in FDIC insurance through our partner banks and their sweep networks
  • Debit and credit cards for your whole team, earning 1.5% cashback on credit spend
  • Free USD wires, ACH, and check payments
  • Treasury management with up to 3.81% yield
  • Built-in spend management, invoicing, bill pay, 1099s, accounting automations, and more
  • Mercury Command, built-in AI that helps complete financial work through natural language
  • Powerful API, MCP, and CLI capabilities to connect Mercury data and actions to your other tools
  • Multi-factor authentication, device verification, dark web monitoring, automatic risk screening on payments, and customizable permissions
  • Working capital loans, venture debt, and SAFEs to help you grow
  • Personal banking with high-yield savings accounts
  • An experience trusted by more than 300K entrepreneurs

Our advanced financial workflows – including bill pay, invoicing, Mercury IO, expense reimbursements, and accounting automations – are only available to Mercury customers. If you don’t already have an account, you can apply for one here.

Mercury business banking has no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. However, certain features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury, making non-USD business debit or credit card transactions, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing.Customers have the option to select a paid plan (starting at $35/month) for access to advanced payment workflows, including more invoicing features, our enriched NetSuite automations, and reimbursing out-of-pocket expenses for more than 5 active users per month. Learn more about pricing here. If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our business checking and savings accounts are free for everyone. Anyone can send payments from their account without subscribing to a paid plan. 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.

Faster, more accurate financials. Finally.

Solve operational complexity with banking and software powering your workflows.
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.