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)

  • Multiple GL codes for bill payments

  • Reimburse up to 20 users/month

    + $5/additional active user

  • 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

  • Reimburse up to 250 active users

    + $5/additional active user

  • 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 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 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 is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, 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 these 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 bank accounts are free for everyone. Anyone can send payments from their Mercury 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.