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Ecommerce banking, cards, and capital

When you spend $2K on your debit or credit card within your first 90 days, get $100 cash.
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Mercury dashboard on a gradient background

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

Everything you need to run your ecommerce finances

Powerful business banking, without the fees

Open Account
  • Fee-free banking and payments, including international (USD) wires
  • 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.

Corporate cards and spend management tools

Explore Cards
  • Easily create physical and virtual cards for you and your team
  • Set up custom spend limits and card-only access
  • Get up to 1.5% cashback on all credit spend with the IO Mastercard
Mercury’s IO credit card.

Financial workflows for all the ways your money moves

Explore Workflows
  • Drag-and-drop bills to pay your vendors effortlessly
  • Easily request and store tax documents from vendors and contractors
  • Create professional invoices for your wholesale customers

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.

Better online banking for ecommerce businesses

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

Ecommerce

As a Canadian citizen with a US-based business, getting an account with a traditional bank was really difficult. With Mercury, creating an account was easy.

Morgan Ioffe

Founder

Tropic Labs

Ecommerce

Virtual accounts, unlimited accounts, accounts with custom names. An app that actually works. You’d think these things would be common sense, but only Mercury truly nails them.

Jimmy Hayes

Co-founder

Minaal

Ecommerce

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Frequently asked questions

You’ll need your company’s official formation documents, your IRS-issued EIN document (for U.S. entities only), and a picture of the government ID (e.g., a passport or U.S. driver’s license) for each founder or majority owner of your company. You'll also need to provide some information about your company and each company owner.Customers must have some type of existing or planned operations in the U.S. and 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, PO box, or UPS box address. Our customer base includes startups and ecommerce companies, as well as venture capital firms with entities in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Upon applying, we’ll review to ensure you have up-to-date formation documents and otherwise satisfy our onboarding requirements.We cannot currently support accounts for businesses with founders or financial controllers living in the countries and regions listed here.For more information on eligibility and required documents, please see this article.

Yes, we’re proud to support U.S. companies founded by people across the globe, as well as founders and venture capital firms with an entity based in the Cayman Islands, British Virgin Islands, and United Arab Emirates. Customers must have some type of existing or planned operations in the U.S. and 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, PO box, or UPS box address.We cannot currently support accounts for business with founders or financial controllers living in the countries and regions listed here.We’d love to support residents of more countries over time, so let us know at [email protected] 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 banks and use of sweep networks. As a broader effort, we are working on expanding all coverage even further. You can learn more about FDIC insurance here.

Mercury makes security a top priority. Here are some measures we take to ensure your security:
  • Require HTTPS on all pages, and use HSTS 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 account is free, we make money in a number of different ways. We earn interest on deposits, foreign exchange processing on international wires, and fees paid on Mercury Treasury and Mercury Venture Debt. 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 for free through your Mercury dashboard by going through the Send Money flow. For now, we don’t issue checkbooks and third-party checks can’t be drawn on Mercury accounts.

Mercury Working Capital 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 questionnaire.

Open your account in 10 minutes or less

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

    Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust, 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.