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

Financial workflows, simplified.

Your bank account should do more than hold your money. Now, it can.
Contact Sales

Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust®; Members FDIC.

Take control over all the ways your money moves

Pay bills right from your bank 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 professional invoices in minutes
  • Get paid by credit card, Apple Pay, Google Pay, wires, ACH transfers, and soon, ACH debit
  • 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

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

1 / 3

Integrations that bring it all together

Everything you need to run your finances in the same place

Pricing that fits your focus

Access powerful banking for free, and advanced financial workflows starting at $35/month.

Mercury

$0/ Month

Powerful business banking and finance essentials.

Open Account

Business banking

  • FDIC-insured bank accounts

  • Online ACH, wires, & checks

  • Corporate debit & credit cards

  • Up to 5.30% yield ($500K minimum balance)

Bill pay

  • Process up to 5 bills/month


Invoicing

  • Unlimited invoice generation



Reimbursements (coming soon)

    Closing the books

    • Xero

    • QuickBooks

    Mercury Plus

    $35/ Month

    Everything Mercury offers, with more billing and invoicing power.

    Get Started

    Business banking

    • FDIC-insured bank accounts

    • Online ACH, wires, & checks

    • Corporate debit & credit cards

    • Up to 5.30% yield ($500K minimum balance)

    Bill pay

    • Process 20 bills/month

      + $2/additional bill

    Invoicing

    • Unlimited invoice generation

    • Recurring invoicing

    • Branded invoices

    Reimbursements (coming soon)

      Closing the books

      • Xero

      • QuickBooks

      Mercury Pro

      $350/ Month

      Everything Mercury Plus offers,
with advanced workflows and dedicated support.

      Get Started

      Business banking

      • FDIC-insured bank accounts

      • Online ACH, wires, & checks

      • Corporate debit & credit cards

      • Up to 5.30% yield ($500K minimum balance)

      Bill pay

      • Process 250 bills/month

        + $1/additional bill

      Invoicing

      • Unlimited invoice generation

      • Recurring invoicing

      • Branded invoices

      Reimbursements (coming soon)

        Closing the books

        • Xero

        • QuickBooks

        • NetSuite

        Tap into expertise

        • Relationship Manager

          Also guaranteed at $10M+ in deposits

        Compare all features

        Don’t just take it from us

        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

        Travel technology

        We really enjoy using Mercury at Rye because of the clean and intuitive portal. Whether we’re paying vendors or contractors around the world from our checking account or closing our books, anything we need to do within Mercury takes mere minutes and provides fantastic visibility for our operations team.

        Sarah Reisch

        Operations manager

        Rye

        Ecommerce

        Mercury is the easiest, most straightforward financial provider I’ve ever used. From signup through to team management, everything has been smooth and the customer support is fantastic.

        Ryan Ouyang

        Founder

        IYK

        NFC and blockchain

        1 / 3

        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
        • Wires, ACH, and check payments
        • Treasury management and venture debt options
        • Time-saving finance automations, including bill pay, invoicing, accounting automations, and coming soon, 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, 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. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing. There are no account minimums, overdraft fees, monthly fees, or account opening fees.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 the ability to pay all monthly bills from Mercury. Learn more about pricing hereIf 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.

        Disclaimers and footnotes

          Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust ®, Members FDIC. Deposit insurance covers the failure of an insured bank.