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.
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Ecommerce banking, cards, and capital

Get $150 cash when you deposit $5K within your first 90 days. Plus, get another $150 cash when you spend $3K on your debit or credit card within your first 90 days. Terms apply.
Apply online in 10 minutes, no minimums required
Credit cards on day one with 1.5% cashback
$0 monthly fees, free ACH and USD wires
Working capital financing with no personal guarantee

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4.6
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Apple App Store
4.9
Apple App Store
Capterra
4.9
Capterra
Mercury dashboard images and IO credit card

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.

Everything you need to run your ecommerce finances

Powerful business banking, without the hidden fees

Open account

  • Free ACH, wires, real-time payments, and checks in USD, plus payments in 40+ currencies for a 1% fee

  • Auto-transfer rules to organize and allocate your revenue

  • A single place to manage all of your ecommerce finances

UI showing revenue account funds being distributed by percentage to other accounts: inventory, ops, and taxes.

Uncapped 1.5% cashback on all credit spend

Explore cards

  • Access credit cards on day one for eligible customers

  • No personal guarantee or business credit history required

  • Easily create physical and virtual cards with precise spend controls

Mercury’s IO credit card surrounded by virtual cards.

Tools for all the ways your money moves

Explore payments

  • Forward or upload invoices directly to breeze through vendor payments

  • Collect W-9s and file 1099-NEC and MISCs for your contractors

  • Create professional invoices for your wholesale customers

1099 tax filing

Cash to fund what’s next?
Add to cart.

Mercury working capital
Working Capital dashboard

Flat-fee pricing and competitive rates

Easy-to-understand terms so you know your true cost of capital.

Fixed weekly repayment schedule

Forecast your finances without the unpredictability of revenue-based payback.

Long-term partnership

Get a helpful consultant with ecommerce expertise as you run, grow, and scale.
Mercury is so intuitive and saves us so much time. Plus, free international USD transfers save us a ton of money when we pay our suppliers overseas.

Mark Zhang

CEO, Manta Sleep

Trusted by 300K+ ambitious companies and ecommerce businesses

Perks and tools that put you ahead

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Perks

Our perks include deals for QuickBooks, Namecheap, Notion, Slack, and more.

Explore perks
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Tools

Explore our suite of free tools like our ecommerce income statement template, invoice generator, and more.

Explore tools

Frequently asked questions

You’ll need your company’s official formation documents, your IRS-issued EIN document, and a government ID (e.g., a passport or U.S. government identification document – see all acceptable documents here) for at least one person with operating control of the business, as well as  any owner with at least 25% ownership of your company. You'll also need to provide some information about your company and its owner with operating control.Customers must be formed and registered in the United States or a U.S. territory, have some type of existing or planned operations in the U.S., and have a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, P.O. box, or UPS box address. Once you apply, we’ll review to ensure formation documents are up-to-date and that your company otherwise satisfies our onboarding requirements.We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed hereOpens in new tab.For more information on eligibility and required documents, please see this articleOpens in new tab.

Yes, we’re proud to support U.S. companies founded by people across the globe. Customers must be formed and registered in the United States or a U.S. territory, must have some type of existing or planned operations in the U.S., and have a U.S. or international address for their principal place of business. This can be a residential address, but may not be a registered agent, P.O. box, or UPS box address.We cannot currently support accounts for business with founders or financial controllers living in the countries and regions listed hereOpens in new tab.We’d love to support residents of more countries over time, so let us know at hello@mercury.comOpens in new tab if you live in one of the above countries and we’ll let you know if anything changes.

Mercury checking and savings deposits are FDIC-insured up to $5M through our partner banksOpens in new tab and their use of sweep networksOpens in new tab. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance hereOpens in new tab.

Yes, security is a top priority at Mercury. Here are some measures we take to ensure your security:
  • Require HTTPS on all pages, and use HSTSOpens in new tab to ensure browsers only ever connect to Mercury over a secure connection.
  • Employ a third party to perform penetration testing each year to check for vulnerabilities.
  • Hash and store all passwords with the bcrypt algorithm — never as plaintext.
  • Use time-based one-time passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
  • Encrypt our database and all uploaded images, with additional encryption for sensitive data like social security numbers.
  • Never store your debit or credit card numbers.
Learn more on our Security page.

Even though opening a Mercury business account is free, we make money in a number of different ways. We earn interest on deposits, foreign exchange processing on international wires, fees paid on Mercury Treasury and Mercury Venture Debt, and foreign currency transactions made with IO cards and Mercury business debit cards. Additionally, when you use your debit card or IO credit card, Visa and Mastercard charge a fee to the merchants — we receive a percentage of this fee, known as interchange. We also have subscription revenue from our financial workflows products and Mercury Personal.

Yes you can send checks in two ways: 
1. Physical checkbooks: After enabling checkbooks for your business, you can order up to six complimentary Mercury checkbooks per year. You also have the option to order checkbooks from your preferred third-party provider. To help prevent fraud, Mercury includes a feature called check review that allows businesses to review physical checks after they have been deposited.2. Mailed checks: Mercury provides the ability to send individual mailed checks directly through the Send Money flow. These checks are securely printed and mailed on behalf of the user.

Mercury Working CapitalOpens in new tab offers loans with competitive terms designed to help ecommerce businesses grow. A working capital loan is a great option for ecommerce businesses who need short-term financing to bridge the gap between outgoing expenses and incoming revenue. These loans are especially useful when gearing up for a busy season (like the holidays) and the funds can help cover expenses such as payroll, rent, inventory purchases, and other short-term liabilities that you might otherwise have trouble covering when dealing with cash flow fluctuations.The best way to find out if you’re eligible for Mercury Working Capital is by going through our quick eligibility questionnaireOpens in new tab.

Open your account in 10 minutes or less

Powerful banking for ecommerce businesses looking to operate at their best.
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.

This page was reached through the use of an affiliate link. Certain affiliates may earn a commission from approved applications received through these links.