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.
- ACH
0–1 business days - Domestic wires
0–1 business days - Mailed checks
7–14 business days - 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.
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.
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.
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.
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.
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)