Financial workflows, simplified
Your checking and savings account should do more than hold your money. Now, it can.
Take control over all the ways your money moves
Pay bills right from your checking and savings account
- Hold on to your funds for longer by eliminating third-party processing
- Harness AI to populate bill details
- Set up multi-layered approval rules and approve instantly on mobile or Slack
- Never overpay with duplicate bill detection
Streamline your invoicing and get paid easier
- Generate polished invoices in minutes
- Get paid by credit card, Apple Pay, Google Pay, wire, ACH transfer, and ACH debit for subscribers
- Easily send recurring invoices and payment reminders
- Automatically match payments to invoices for simple reconciliation
Stop worrying about payroll
- Open a dedicated account for payroll to streamline cash management
- Set rules to ensure your payroll account is always funded
- Authorize your payroll provider to process ACH debits or wire drawdowns
File 1099s right from Mercury
- Collect W-9s and prefill forms with AI data extraction
- File Federal and State 1099-NEC and MISCs for the 2025 tax season
- Track progress and correct or void filings as needed
- No exports or third-party tools required
Easily manage employee spend, no matter your size
Cards | Reimbursements | Controls | Documentation | Subscriptions
Issue debit and credit cards to your whole team and grant team members card-only access.
Easily submit, review, and reimburse employees for out-of-pocket expenses right from your dashboard.
Set custom limits and expiration dates for team members’ cards, and lock cards to specific merchants.
Set requirements for receipts and notes, and automatically match receipts to transactions.
View your company's card subscriptions in one place, and easily spot and cancel duplicates.
Cut the time it takes to close your books
Explore accounting automations
Easily sync with QuickBooks, NetSuite, or Xero
Sync bills and transactions to your accounting software — saving you time and minimizing manual errors.
Exit out of your endless tabs
See employee expenses, cards, bills, and incoming transactions in one place for easy cross-referencing and categorization.
Automatically categorize transactions
Create custom rules to map transactions to your GL codes to help automate categorization.
Integrations that bring it all together
Checking and savings accounts
Secure up to $5M in FDIC insurance through our partner banks and their sweep networks.
Bill pay
Streamline your bill payments by powering them directly from your checking and savings account.
Invoicing
Send invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking.
Accounting automations
Simplify reconciliation with accounting automations that streamline your financial workflows.
IO credit card
Confidently scale your team with the IO Mastercard. Earn 1.5% cashback with startup-friendly credit limits.
Treasury
Earn yield on idle cash right alongside your operating accounts.
Pricing that fits your focus
Access powerful banking for free, and advanced financial workflows starting at $35/month.
Compare plans
Annual Pricing (15% off)
$0/mo.
Powerful banking and finance essentials included with every account.
Everything you get with a Mercury account, plus:
- Invoice with ACH debit ($1/transaction)
- Recurring invoices
- Invoicing API (500 invoices created/month)
- Multiple GL codes for bill payments
- Reimburse up to 20 users/month
- Unlimited 1099 tax filings
FAQs
What is Mercury?
Mercury was founded with the idea of making banking better for startups. We spent our first five years creating a powerful bank account that made banking feel less like an obstacle and more like a catalyst. Now, we’re building software to run all your financial operations from that powerful bank account so your company can perform at its best — that means more precision, more control, and more focus. We call it “operational excellence.” We offer:
- Checking and savings accounts with no monthly fees
- The protection of up to $5M in FDIC insurance through our partner banks and their sweep networks
- Debit and credit cards for your whole team
- Reimbursements for out-of-pocket expenses
- Wires, ACH, and check payments
- Treasury management and venture debt options
- Time-saving finance automations, including bill pay, invoicing, accounting automations, and expense reimbursements
- Customizable permissions that keep you in control
- The knowledge, network, and connections you need
- An experience over 200K startups love
How do I get access to Mercury’s advanced financial workflows?
Our advanced financial workflows – including bill pay, invoicing, Mercury IO, expense reimbursements, and accounting automations – are only available to Mercury customers. If you don’t already have an account, you can apply for one here.
What does it cost to use Mercury for businesses?
Mercury business banking is free to use. There are no account minimums, overdraft fees, monthly fees, or account opening fees. However, certain advanced features may incur fees. Customers have the option to select a paid plan (starting at $35/month) for access to these 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.
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.