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.

Next-generation banking for SaaS companies

Spend less time on finances and more time shipping product.
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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. Deposit insurance covers the failure of an insured bank.

Features made for software companies

Send funds however you want, wherever you want

Pay team members and vendors on the spot, or on your schedule. Choose from ACH, checks, and domestic and international wires — or move money in seconds with real-time payments.

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Simplify payables, from onboarding to tax time

Collect W-9s before you pay, forward or upload invoices to process them in a few clicks, and file federal and state 1099-NEC and MISC forms.

Maximize your money with minimal effort

Make the most of your extra cash with Mercury Treasury to earn as much as 3.89% yield. And if you just raised a fresh round, we offer venture debt, too.

Issue 5 or 500 cards — and stay in control of every dollar

Empower your team with virtual and physical cards that earn 1.5% cashback on every purchase. Define spend categories, set custom limits, and get real-time visibility into employee spend.

Enhance your stack with best-in-class tools

Tee up handy integrations to sync Mercury with your favorite apps, including Xero, QuickBooks, and Zapier. Plus, get additional deals on platforms like AWS and Slack.

Innovation that doesn’t sacrifice security

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Security you can count on

Authenticate securely with Touch ID while fraud monitoring and encryption measures keep attackers at bay.

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We’ve been with Mercury since the beginning, and while we’ve grown quickly, Mercury has grown with us. They’re just as useful with $90 million raised as they were at seed.

Ryan Glasgow

CEO, Sprig

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.

Mercury business banking has no minimum account balance requirements, overdraft fees, required monthly fees, or account opening fees. However, certain features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury, 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 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 accounts are free for everyone. Anyone can send payments from their 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.

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.

Your checking and savings deposits are held in your name across a sweep networkOpens in new tab of multiple regulated banks. Through this program, we’ve upgraded the FDIC insurance on Mercury checking and savings accounts to up to $5M — 20x the per bank limit.In addition to working with our banking partners to keep your funds secure, Mercury’s world-class fraud engineering and compliance teams work together to build tools and processes that spot suspicious activities and stop them in their tracks.

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.

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.

Open your account in 10 minutes or less

Scale smoothly and build to last on Mercury.
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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.