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Mercury Payroll

AI-powered payroll, built into Mercury

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Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

You make the hire. We’ll handle the rest.

AI-powered payroll with white-glove support, built directly into your Mercury account.

  • Pay W-2 employees and U.S. contractors in all 50 states

  • Manage benefits and 401(k), with a licensed broker

  • Let new hires enter their own W-4 and bank info

  • Hire in any state with white-glove compliance support

  • Give employees cards with custom limits at onboarding

  • Keep all team records and documents in one place

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Run payroll from the same place you run your business

Get started faster and plan for each pay period alongside the full view of your finances.

Go live in 15 minutes — your EIN, entity details, and account are already on file, with nothing to re-enter.

Never miss payroll. We check your live balance and tell you if you’re short while there’s still time to move money.

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Compliance done before it reaches your desk

Other payroll tools give you a to-do list. We give you an expert tax and compliance team.

Flagged before it’s a fine

We catch obscure compliance requirements and solve for them before they turn into penalties.

Government notices don’t fill your inbox

We read and answer state notices, unemployment claims, and audits so you don’t have to.

Never touch a tax form

Federal and state payroll taxes are filed and paid for you. Same with W-2s and 1099s at year end.

AI takes admin off your plate

Work that used to take an afternoon is taken care of with one request.

Hand off tasks to Command

Command completes manual tasks for you, from updating salaries to granting bonuses.

Nothing ever happens without your approval

Every action taken by AI is prepared for your review, and sensitive employee data never leaves Mercury.

Finding top talent takes time. Payroll doesn’t have to.

Talk to our team to learn more about Mercury Payroll. New to Mercury? Open an account to get started.

Payroll and banking

Mercury Payroll

Free trial

$100/mo. + $50/mo. per person paid.Free for all of 2026.

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Everything you get with a Mercury account, plus:

  • W2 & domestic contractor payroll

  • Broker-managed health, dental, and vision in all 50 states*

  • 401(k) via Human Interest*

  • Multi-state tax registration, no state caps**

  • Mailbox monitoring

  • Automatic federal and state tax filing

  • I-9 verification

  • Command integration

Add-ons:

  • Managed workers’ comp

  • Registered agent service

*These benefits require you to pay a third party vendor but integrations are included with your Mercury Payroll subscription**Government pass-through fees apply at cost
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Frequently asked questions

Mercury Payroll is an AI-powered payroll provider with white-glove compliance support, built into your Mercury account. With it, you can onboard and pay W-2 employees and U.S. contractors in all 50 states, offer health, dental, and vision plans through a licensed broker, and set up a 401(k). Our team handles the payroll compliance for you: registers you in new states, files and pays your federal and state payroll taxes, and takes care of government notices. No extra tools or logins required, with hands-on support for payroll compliance tasks.

Yes, at this time, you do need to have a Mercury account to access Mercury Payroll. We are not currently supporting external bank accounts.

To get started with Mercury Payroll, log into Mercury and select Payroll from the left-hand product switcher. From there, you’ll answer a few questions and then schedule time to chat with our team.

You’ll need a Mercury account to fund payroll, your company’s ownership details, an EIN, and an authorized company signatory.

Mercury Payroll currently supports paying U.S. employees and contractors. Until international contractor support is available in Payroll, you can pay those team members directly via wire from your Mercury account.

Mercury Payroll is free for 2026. After that, Mercury Payroll costs $100/month plus $50 for each person paid that month, with no annual contract.Note that you will still be responsible for government fees and taxes that will be passed onto you, as well as costs incurred for workers’ compensation, insurance, and benefits provided by third parties.

We recommend using the in-product flow to get in touch with our team. After you chat with us, you can decide whether or not you want to proceed with Mercury Payroll.

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.