Mercury
$0/ Month
Powerful business banking and finance essentials.
Open Account
Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Column N.A., 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 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
Easily manage employee spend, no matter your size
Cards for your team
Issue debit and credit cards to your whole team, and grant team members card-only access.
Learn More About IOCut the time it takes to close your books
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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 Plus
$35/ Month
Everything Mercury offers, with more reimbursements and invoicing power.
Business banking
Bill pay
Unlimited bill payments
Invoicing
Unlimited invoice generation
Recurring invoicing
Branded invoices
ACH debit
+ $1/ACH debit transaction
Reimbursements
Reimburse up to 20 users/month
+ $5/additional active user
Closing the books
Xero
QuickBooks
Mercury Pro
$350/ Month
Everything Mercury Plus offers, with advanced workflows and dedicated support.
Business banking
Bill pay
Unlimited bill payments
Invoicing
Unlimited invoice generation
Recurring invoicing
Branded invoices
ACH debit
+ $0/ACH debit transaction
Reimbursements
Reimburse up to 250 users/month
+ $5/additional active user
Closing the books
Xero
QuickBooks
NetSuite
Tap into expertise
Relationship manager
Also guaranteed at $10M+ balance
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
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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.