Simpler payments, fewer fees

Pay vendors and contractors worldwide, your way — with controls, bill approvals, and tax automation built for how your team works.

99.6% of domestic payments sent on Mercury in 2025 arrived in ≤ 1 business day.

  • $0
    ACH
    0–1 business days
  • $0
    Domestic wires
    0–1 business days
  • $0
    Mailed checks
    7–14 business days
  • $0
    USD international wires
    1–3 business days

Transparent global payments

Pay vendors in their local currency, minus the markup — you'll always see the live exchange rate before you hit send.

$0
USD international wires
1%
Fee for non-USD international wires
40+
Local currencies
200+
Countries and regions supported

Paying invoices on Mercury is so f***ing good. Who would have thought sending money could be so delightful?

Matt Brezina
Founder, Ford Street Ventures

The best part is just dropping in a PDF invoice and having all the details automatically and accurately pulled out. Plus, seeing all my past and upcoming bills in one place makes them easy to manage.

Jason Kuperberg
Co-founder, HyperWrite

Payments that do more than move money

Smarter bill processing from invoice to reconciliation
Capture bill details instantly
Forward or upload an invoice — our built-in OCR will extract and auto-fill the key details.

Control who pays and how
Set custom rules by amount, role, or teammate — and track what’s pending review, scheduled, or paid.

Sync with accounting tools
Assign GL codes to categorize transactions before they flow to your accounting software.

Essential vendor details, always on hand

Easy recipient onboarding
Invite your contacts to share their payment details and tax docs — no manual entry required.

All your vendor info in one place
Track who you’ve paid, how, and when — and import your vendor network in seconds via CSV.

File 1099s
Easily collect W-9s, plus file state and federal 1099-NEC and MISCs straight from your dashboard.

It’s all part of a bigger picture

Business banking

Checking and savings accounts with up to $5M in FDIC insurance through our partner banks and their sweep networks.

Invoicing

Send polished invoices, track what you’re owed, and get paid the way you want.

Accounting

Simplify reconciliation by syncing with QuickBooks, Xero, or NetSuite.

Expense management

Experience hassle-free employee expense management with corporate cards and reimbursements together.

Frequently asked questions

Are ACH and domestic wires really free?

Yes — both ACH payments and domestic wires are free to send on Mercury.

Can I send international wires in non-USD currencies (FX)?

You can convert USD to one of 40+ supported local currencies when sending an international wire on Mercury. The exchange includes a 1% currency conversion fee on the USD amount. These are processed and sent by Mercury within 1–3 business days of being requested, but can take up to 5 business days to reach your recipient. Including your wire purpose will help make sure your wire processes faster.

Can I pay 1099 contractors directly from Mercury?

Absolutely. You can pay contractors via ACH, domestic/international wire, or check — directly from Mercury. To make things even easier, you can collect W-9s and file 1099-NECs and MISCs without using any third-party tools. 1099 filing is free for Plus/Pro subscribers or $5 per form.

Do my vendors need a Mercury account to get paid?

No. Your vendors do not need to open a Mercury account in order to receive payments. You can enter their payment details directly, or invite them to fill out their own information via a secure link that we'll send them.

How do approvals and permissions work?

You can set approval policies based on dollar amounts and choose who can approve payments. Also:

  • Non-admin users can be approvers
  • You can enable separation of duties (so creators can’t approve their own payments)
  • Approvals apply to sending money and reimbursements

Can I move my existing bill pay setup over to Mercury?

Yes — here are a few ways to get started:

  • Add recipients yourself: This is best if you already have vendor details on hand (or you’re starting with a short list). Just create recipients by entering their payment details directly.
  • Invite recipients to add their details: If you’d rather have your vendors enter their details themselves, you can send them a secure email invite. Invite recipients one at a time or multiple at once via CSV.
  • Import recipients via CSV: Want to migrate your entire vendor database to Mercury all at once? Just upload all the payment details via CSV.
  • Start forwarding bills to Mercury: If you want bills to start flowing into Mercury as they arrive (without changing every vendor right away), you can use your dedicated bill forwarding email (yourcompany@ap.mercury.com). Vendors can send invoices there directly, or you can forward them yourself. Bills will show up in your Mercury inbox for review and payment.

Run smoother. Move faster.

Apply online in 10 minutes and join 300K+ companies simplifying their payments with radically different banking.

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