Mercury is an online banking platform for businesses. It offers checking and savings accounts, debit and credit cards, free domestic wires and ACH, invoicing and treasury.
Mercury’s Bill Pay fills in a bill’s details as soon as it lands in your bill inbox, and it detects duplicate bills so you don’t overpay. You can set multi-layered approval rules and approve bills in Slack or the Mercury mobile app. Payments go out by ACH, domestic and international wire, or check. Scheduled payments, auto-transfer rules and payroll wire drawdowns automate other money movements.
Mercury says it serves every kind of business, naming SaaS, ecommerce and agency clients, and it pitches its accounts as built for how quickly and creatively startups work. Founders based outside the U.S. can open accounts, but the company itself has to be a U.S. entity, set up in the country or one of its territories. User permissions include admin, bookkeeper, custom and card-only access, plus an accountant role that sees transaction history and statements.
Bills you categorize in Mercury sync automatically to your accounting software, with direct integrations for QuickBooks Online, NetSuite and Xero. Mercury offers an API, MCP and CLI for linking its data and actions with the rest of your tools, and it uses Plaid to connect your other business bank accounts. A mobile app lets you bank on the go. Support is available by email, and contact details are on the support page inside your account.
Plus and Pro add invoicing, tax-filing and support features for growing teams. Current prices are in the pricing box above.