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.

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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

Effortless invoicing (coming soon)

  • Build professional, personalized invoices and track their status in your dashboard
  • Skip transit times and get funds faster with payments directly to your bank account
  • Easily set up recurring invoices and automated reminders
  • Allow your customers to pay through multiple payment methods, including ACH debit and cards
UI showing a custom invoice built in Mercury

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 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

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Work from a single source of financial truth

With your bank account powering your financial operations, you get all the tools you need, all in one place.

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Integrations that bring it all together

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


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



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



NFC and blockchain

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Pricing that fits your focus

Try all of our financial workflows for free until August 1st.


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, accounting automations, and coming soon, invoicing and 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 Mercury Bill Pay, Mercury IO, accounting automations, and invoicing (coming soon) – 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.Advanced payment workflows are also available and free to try until August 1st. On August 1st, customers will have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including our enriched NetSuite automations and the ability to pay all monthly bills from Mercury. Learn more about pricing.If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our Mercury banking products will remain free for everyone. Sending payments from your Mercury account will remain free to use for everyone, and 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.