Mercury Review & Pricing (2026)

Mercury

Mercury is a financial technology company that provides business checking and savings accounts, debit and credit cards, bill pay, invoicing, and expense management. Banking services are provided through partner banks rather than by Mercury itself. It serves US-registered companies, including ecommerce sellers, agencies, and startups, and covers holding operating cash, paying suppliers, issuing team cards, and syncing transactions to accounting software.

For an Amazon seller, Mercury sits at the cash layer beneath marketplace payouts. It handles supplier payments, card spend, and bookkeeping feeds rather than marketplace analytics or inventory planning. Published integrations center on QuickBooks, Xero, and NetSuite, so sellers who need settlement-level Amazon detail should confirm how that data reaches their books.

Capabilities

Free Business Accounts

Checking and savings accounts carry no monthly fee, no minimum balance, and no fees for ACH, domestic wires, or checks.

Partner Bank Structure

Banking services are provided through Choice Financial Group and Column N.A., with eligible deposits insured through partner banks and their sweep networks.

International Payments

USD international wires are free, and payments in more than 40 currencies carry a currency conversion fee.

IO Credit Card

The IO card earns cashback on credit spend with no annual fee and no personal guarantee for eligible customers.

Bill Pay and Invoicing

Unlimited bill payments and standard invoicing are included on all plans, with recurring invoicing on paid tiers.

Accounting Integrations

Bank feeds connect to QuickBooks, Xero, and NetSuite, with automated transaction categorization on supported tiers.

Auto-Transfer Rules

Percentage-based rules split incoming revenue across named accounts such as inventory, advertising, and tax reserves.

Working Capital Loans

Mercury Working Capital lends to US ecommerce brands meeting minimum annual sales and trading history requirements.

Developer API

A documented REST API and webhooks cover accounts, transactions, recipients, cards, and invoices.

Strengths

Core banking, unlimited bill payments, and standard invoicing are available at no monthly cost.

USD international wires are sent without a Mercury fee, which suits sellers paying overseas suppliers.

Multiple named checking accounts and percentage-based auto-transfer rules support envelope-style cash allocation.

Working capital loans are underwritten on connected ecommerce sales data rather than on credit score alone.

Eligible deposits are insured up to $5 million through partner banks and their sweep network program banks.

A documented REST API and webhooks are available for teams building custom finance workflows.

Considerations

Mercury is a financial technology company rather than a bank, and accounts are held at partner banks including Choice Financial Group and Column N.A.

Some capabilities differ by partner bank, so sellers should confirm which bank holds each account.

Auto-transfer rules operate between accounts at the same partner bank, and transfers across partner banks are initiated manually.

Eligibility requires a US-registered company with an EIN, so sellers operating through non-US entities may not qualify.

Advanced invoicing and some accounting automations require a paid plan starting at $35 per month.

Working capital loans are not offered in every US state, so availability should be confirmed before applying.

Published integrations center on general accounting tools, so teams needing Amazon settlement-level detail should verify how that data reaches their books.

Pricing

$35/mo

Free plan available; paid plans start at $35/mo

Visit website

CategoryFunding & Payments

TypeSoftware

Pricing modelMonthly subscription

MarketplacesNot marketplace specific

Best forEcommerce brands and startups managing operating cash

Alternatives

Relay Financial

Business banking platform with multiple checking accounts, cards, bill pay, and invoicing for small businesses.