Snapshot
Continue to About ↓- What it does
- Mercury is an online business banking and finance-operations platform for companies formed and registered in the United States.
More detail
- Through partner banks it provides checking and savings accounts, debit and credit cards, payments, invoicing, bill pay, spend management, accounting sync and a yield product, alongside optional add-ons for bookkeeping, payroll, lending and programmatic access.
- Mercury is a fintech company, not an FDIC-insured bank; banking services are provided through Choice Financial Group and Column N.A., Members FDIC.
- Best for
- U.S.-formed startups, ecommerce brands, agencies, SaaS companies, VC funds and similar businesses that want banking, cards, payments, invoicing and accounting sync in one account with multi-user controls and approval flows.
More detail
- Also suits teams that need virtual cards for ad spend or contractors and businesses holding $250K+ that want access to Treasury yield.
- Pricing
- The base Mercury plan is $0/month with free checking and savings, no minimums, and free USD wires, ACH and check payments.
More detail
- Mercury Plus is $29.90/month ($23.95/month billed annually) and includes ACH-debit invoicing at $1/transaction, unlimited 1099 filings and priority support.
- Mercury Pro is $299/
- Main limitation
- Businesses not formed in the U.S. or without U.S. operations, and those with founders or financial controllers in Mercury's excluded countries.
More detail
- Poor fits also include trusts, money services businesses, cannabis, adult entertainment, internet gambling, and cash-heavy businesses.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
- Machine access
- Structured profile ↗
About
- Mercury is an online business banking and finance-operations platform for companies formed and registered in the United States.
- Through partner banks it provides checking and savings accounts, debit and credit cards, payments, invoicing, bill pay, spend management, accounting sync and a yield product, alongside optional add-ons for bookkeeping, payroll, lending and programmatic access.
- Mercury is a fintech company, not an FDIC-insured bank; banking services are provided through Choice Financial Group and Column N.A., Members FDIC.
What it helps with
- Finance stack fragmentation across a bank, card issuer, accounts-payable tool and accounting system
- Manual bill entry and slow payment approvals
- Receipts that don't get matched to the right card transaction
- Chasing unpaid invoices and reconciling customer payments
- Filing 1099-NEC and 1099-MISC forms through exports or third-party tools
- Limited control over team and contractor spend
- Idle cash sitting without a yield option
- Connecting AI agents or internal tools to money movement without giving up control
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Business checking and savings | Yes | Free accounts with no minimums or monthly fees, opened online |
| FDIC insurance via partner banks | Yes | Up to $5M through partner banks and their sweep networks for eligible deposits; Mercury itself is not a bank |
| Business credit and debit cards | Yes | 1.5% cashback on credit spend; virtual cards; site states no personal guarantee or credit check for eligible customers |
| USD payments | Yes | $0 to send USD via wire, ACH, check and real-time payment, per official pages |
| International payments | Limited | USD sent internationally with no fee; payments in 40+ currencies stated at about 1%; optional premium USD processing carries fees |
| Invoicing | Yes | Manual and automatic invoices accepting card, Apple Pay, Google Pay, wire and ACH debit; ACH-debit pricing varies by plan |
| Spend management and bill pay | Yes | Card limits, approvals, permissions, AI bill reading and receipt auto-attach |
| Accounting integrations and 1099s | Yes | QuickBooks, Xero and NetSuite sync; 1099-NEC/MISC filing, unlimited on paid plans |
| Treasury yield | Limited | Up to 4.21% via Morgan Stanley Investment Management and State Street Investment Management portfolios; unlocked with a $250K Mercury balance |
| API, MCP and CLI access | Yes | Programmatic access to Mercury data and actions; some mass-payment and access fees disclosed |
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Evidence
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- Verification
- Scribble researched these facts from the linked public sources.
- The owner has not manually confirmed every field.
- Last reviewed
- Primary source
- mercury.com
Technical profile details
Record ID
22d12cb2-4dee-466e-bbec-20c2317d95b2Canonical URLhttps://profiles.scribble.network/listing/mercury-22d12cb2