Banking should do more than hold your money — now it can 

Banking*, cards, and capital—together in one powerful platform. With Mercury, ecommerce founders get banking paired with powerful financial software to give you the speed and instincts it usually takes years of business experience to earn.

Business Banking*

A single platform for everything your business does with money. With no required fees or minimums, every dollar stays focused on scaling your business.

• Checking and savings that scale with you — open multiple accounts to separate funds, plan ahead, and keep every dollar working with purpose.

• Seamless payments — send free wires in USD, pay vendors via ACH or check, and get paid without lengthy delays via real-time payments.

• Cashflow clarity — track spend by vendor, view payouts by channel, and stay on top of income and expenses.

• Free bill pay and invoicing — manage what you owe and what you’re owed, directly in your Mercury dashboard.

• Integrated accounting — minimize manual entry with QuickBooks and Xero integrations that help you categorize spend and streamline reconciliation.

Credit Cards

Turn everyday spend into growth with Mercury’s IO credit card**, eligible for most customers on day one.

• Credit on day one — eligible orgs can start spending right away with no personal guarantees 

• Unlimited 1.5% cashback** on every purchase — put your operating spend back into your business.

• Virtual and physical cards — with smart controls to manage spend by category, vendor, or team member.

Working Capital

Close the cash flow gap between upfront costs and future sales with fast, flexible financing. Access up to $3M in working capital*** based on revenue across all your sales channels.

• Founder-friendly terms — flat fees, fixed weekly repayments, and no compounding interest or hidden charges.

• No personal guarantee required — so your personal assets stay safe.

• Apply online, get funds fast — apply in as little as 10 minutes, with capital delivered right in your dashboard. 

With Mercury, you get a fast, best-in-class financial platform designed for how ecommerce actually works.