Financial workflows, simplified.
Your bank account should do more than hold your money. Now, it can.
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Take control over all the ways your money moves
Pay bills right from your bank 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
Effortless invoicing (coming soon)
Build professional, personalized invoices and track their status in your dashboard
Skip transit times and get funds faster with payments directly to your bank account
Easily set up recurring invoices and automated reminders
Allow your customers to pay through multiple payment methods, including ACH debit and cards
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 wire drawdowns
Easily manage employee spend, no matter your size
Local Buildings & Landmarks
Bridges
Christmas Markets
Town Squares
Shopping Streets
Cities & Towns
Cut the time it takes to close your books
Explore Accounting Automations
Easily sync with QuickBooks, NetSuite, or Xero
Sync your bills and expenses to your accounting software — saving you time and minimizing manual errors.
Exit out of your endless tabs
See all your bills, cards, and bank transactions in one place for easy cross-referencing and categorization.
Automatically categorize transactions
Create custom mapping rules that automatically code card transactions.
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Integrations that bring it all together
Don't just take it from us
"We use Mercury for all of our financial needs and the user experience is great! Everything is made easy — from paying bills to integrating with QuickBooks to closing our monthly books."
Anna Wangler
Head of operations
Safara
Travel Technology
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Pricing that fits your focus
Try all of our financial workflows for free until August 1st.
Explore Accounting Automations
What is Mercury?
Is it easy to learn?
Do I need to code?
Layer 1
Regulated partner banks provide a secure foundation
It all starts with building a bank account
From start to finish, your Mercury experience is crafted around a bank account, the ultimate source of truth for your company’s finances.
And to give you the best possible banking experience, we’ve preserved the finest elements of traditional banking — and cut out the worst.
You get stability and security through strategically chosen partner banks that support a range of industries and are less sensitive to the volatility of the startup ecosystem.
You’re spared from unwieldy interfaces and hidden fees because we’ve designed a banking experience that respects your startup’s time and resources.
How your FDIC protection is 20x the per bank limit
A sweep network is a program that involves strategically spreading deposits across multiple banks, reducing the impact of any single point of failure. Customers gain access to expanded FDIC insurance coverage without having to interact with more than one bank.
Our partner banks, Choice and Evolve, each participate in their own sweep networks that include several trusted, FDIC-insured banks — all of which can be found in the Evolve Documents and Choice Documents on our Legal page.
Thanks to this program, your Mercury checking and savings deposits are eligible for up to $5M1 in FDIC insurance coverage — 20x the standard per bank limit.
To diversify your deposits, you can use Mercury Treasury to allocate any of your excess funds — for example, beyond the FDIC‑insured $5M — into mutual funds that are invested in short-term securities.
Some of the regulated financial institutions we work with
Patriot Bank
Morgan Stanley
Choice Financial Group
Vanguard
Evolve Bank& Trust
Layer 2
Modern payments infrastructure reduces friction
Banking is complex.
But your experience with it doesn't have to be.
One of the primary functions of banking is to send money.
Every time you wire a payment or deposit a check, that money moves between financial institutions along a network of payment rails.
Mercury has engineered smoother ways for you to send money along these payment rails — like in the case of international wires and ACH payments — by offering more transparency than traditional banks. As a bonus, we’ve even absorbed many of the hidden fees levied in the process.
To keep your transactions compliant and secure, we’ve also assembled a world-class compliance and risk team that understands banking — and startups.
A more transparent way to wire money abroad
Whenever you send a wire abroad, that money may pass through intermediary banks before reaching your recipient’s bank — which may lead to incurred fees.
As a sender, you often don’t have visibility into the process or the fees, which are typically deducted from your recipient’s final sum.
You get stability and security through strategically chosen partner banks that support a range of industries and are less sensitive to the volatility of the startup ecosystem.
You’re spared from unwieldy interfaces and hidden fees because we’ve designed a banking experience that respects your startup’s time and resources.
Why your ACH payments are processed in-house
A sweep network is a program that involves strategically spreading deposits across multiple banks, reducing the impact of any single point of failure. Customers gain access to expanded FDIC insurance coverage without having to interact with more than one bank.
Our partner banks, Choice and Evolve, each participate in their own sweep networks that include several trusted, FDIC-insured banks — all of which can be found in the Evolve Documents and Choice Documents on our Legal page.
Thanks to this program, your Mercury checking and savings deposits are eligible for up to $5M1 in FDIC insurance coverage — 20x the standard per bank limit.
To diversify your deposits, you can use Mercury Treasury to allocate any of your excess funds — for example, beyond the FDIC‑insured $5M — into mutual funds that are invested in short-term securities.
Layer 3
Proactive security & user controls give you peace of mind
We’ve built the security tech to protect you from external threats.
You get to design the guardrails to keep employee spending and account access in check.
In addition to using airtight encryption protocols on your account, data, and card information, we enforce a robust system of multi‑factor authentication to reduce the risk of your account getting in the wrong hands.
Beyond that foundational security tech, you have the power to customize special controls according to your own organization’s risk tolerance. From user permissions to weekly and monthly card transaction limits, it’s all yours to customize.
Security that goes above and beyond to keep you saf
Strong, industry‑standard protocols keep your data secure and confidential, at rest and in transit.
And to give you the best possible banking experience, we’ve preserved the finest elements of traditional banking — and cut out the worst.
You get stability and security through strategically chosen partner banks that support a range of industries and are less sensitive to the volatility of the startup ecosystem.
You’re spared from unwieldy interfaces and hidden fees because we’ve designed a banking experience that respects your startup’s time and resources.
How you maintain control as you scale
Once you log into Mercury, you have the power to customize controls that protect you from user error and bad actors as your team grows.
Once you log into Mercury, you have the power to customize controls that protect you from user error and bad actors as your team grows.
Thanks to this program, your Mercury checking and savings deposits are eligible for up to $5M1 in FDIC insurance coverage — 20x the standard per bank limit.
To diversify your deposits, you can use Mercury Treasury to allocate any of your excess funds — for example, beyond the FDIC‑insured $5M — into mutual funds that are invested in short-term securities.
Layer 4
Finance automations keep your team efficient
Your job is to build and scale a successful startup — not to spend hours on tedious banking tasks.
We make every minute count, from opening an account to paying invoices.
Mercury saves you and your finance team valuable time on everyday banking tasks.
When selecting a partner bank, here’s what we look for:
Institutions that are U.S.‑based and federally regulated
Strong financial health — think robust capital ratios, stable assets, and a track record for profitability
Diverse deposit sources and a wide range of customer industries
A shared belief in our ambitious product goals and the determination to help us reach them
Altogether, these built‑in efficiencies keep your finance team lean and efficient as your company scales.
Auto-transfer rules keep you efficient
From start to finish, your Mercury experience is crafted around a bank account, the ultimate source of truth for your company’s finances.
And to give you the best possible banking experience, we’ve preserved the finest elements of traditional banking — and cut out the worst.
You get stability and security through strategically chosen partner banks that support a range of industries and are less sensitive to the volatility of the startup ecosystem.
You’re spared from unwieldy interfaces and hidden fees because we’ve designed a banking experience that respects your startup’s time and resources.
Why you’re able to pay invoices in record time
A sweep network is a program that involves strategically spreading deposits across multiple banks, reducing the impact of any single point of failure. Customers gain access to expanded FDIC insurance coverage without having to interact with more than one bank.
Our partner banks, Choice and Evolve, each participate in their own sweep networks that include several trusted, FDIC-insured banks — all of which can be found in the Evolve Documents and Choice Documents on our Legal page.
Thanks to this program, your Mercury checking and savings deposits are eligible for up to $5M1 in FDIC insurance coverage — 20x the standard per bank limit.
Awards
But don't just take it from us.
To date, over 200K startups — including over 40% of YC cohorts — rely on Mercury as they build the next great companies.
Simplify the entire process
With one easy-to-open account, we track all incoming investments, marks a SAFE as closed once it’s funded, and protects your precious cash.
Simplify the entire process
With one easy-to-open account, we track all incoming investments, marks a SAFE as closed once it’s funded, and protects your precious cash.
Banking engineered for startups
See Pricing