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Mercury

mercury.com ↗

Apply in 10 minutes for business banking that transforms how you operate. Send polished invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking. Answers are generated from your Mercury data, with full account context and a traceable record.

Products

BooksMercury is a fintech company, not an FDIC-insured bank.
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Mercury Books is full double-entry accounting software, built directly into your Mercury account. It automatically captures your banking, card, invoicing, and bill pay activity, categorizes and reconciles it in real time, and gives you an always-current view of where your business stands. No imports, exports, or manual entry required. Source ↗

PayrollContact sales Open account Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.
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Mercury Payroll is an AI-powered payroll provider with white-glove compliance support, built into your Mercury account. S. contractors in all 50 states, offer health, dental, and vision plans through a licensed broker, and set up a 401(k). Our team handles the payroll compliance for you: registers you in new states, files and pays your federal and state payroll taxes, and takes care of government notices. Source ↗

Checking & SavingsBusiness checking and savings accounts designed for the pace and creativity of startups. Apply online in 10 minutes.
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Working Capital LoansFund payroll, marketing spend, inventory, and more with Mercury Working Capital. Check eligibility Loan amounts are subject to eligibility and credit criteria.
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Venture DebtKeep your equity with venture debt financing built for high-growth startups. Mercury’s Venture Debt and Working Capital loans are originated by Mercury Lending, LLC ( NMLS Opens in new tab : 2606284) and serviced by Mercury Servicing, LLC ( NMLS Opens in new tab : 2606285).
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Venture debt is a term loan issued to startups that have raised venture capital within the past year. While traditional commercial loans focus on cash flow and can be hard to access for startups, Mercury Venture Debt focuses primarily on the strength of your VC investors and founding team, as well as your startup’s potential for growth. Source ↗

Treasury by Mercury AdvisoryAutomated cash management with Mercury Treasury. Earn improved yields with lower-risk, high-liquidity mutual funds.
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S. Treasuries that mature one after another, so part of your cash comes back to you on a predictable schedule. Each Treasury security in your ladder is called a rung. In Mercury Treasury, We build your ladder with one rung maturing each month, on or around the 15th. Source ↗

Business Credit CardsApply for the Mercury IO business credit card to accelerate your startup’s or small business’s growth. 5% cashback, and powerful spend management tools.
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Spend ManagementSelf-enforcing expense management with intelligent budgets, employee reimbursements, and cards for teams and agents.
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PaymentsSend ACH payments, RTPs, business checks, and international wire transfers from one platform. Simplify B2B payments and send money online with ease.
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InvoicingSend professional invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking.
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Mercury Invoicing makes getting paid seamless. Generate invoices with your logo and preferred color scheme in minutes, and give your customers the flexibility to pay by credit card, Apple Pay, Google Pay, wire, ACH transfer, and ACH debit for subscribers. With a quick snapshot, view who owes you what, filter by status, and take action from there. Source ↗

Send polished invoices, track what you’re owed, and get paid the way you want — all from where you manage your banking. Create, send, and track invoices programmatically — so you can bill ten or ten thousand customers with clarity and control. Source ↗

Accounting IntegrationsSpeed up month-end close with accounting integrations that sync all your bills, cards, and bank transactions from your Mercury account.
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CommandMercury Command is AI built directly into your Mercury account that completes financial work for you. Move money, get insights, send invoices, and more — just by saying what you need.
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Answers are generated from your Mercury data, with full account context and a traceable record. No need to export to third-party tools. Source ↗

InsightsA real-time and interactive view of key financial metrics built right into your account.
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MCPConnect ChatGPT, Claude, and other AI agents to Mercury. Analyze your finances, categorize transactions, and set up payments, with every payment approved by you in Mercury.
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Mercury MCP is a way to connect compatible AI tools directly to your Mercury account using the Model Context Protocol, an open standard for connecting AI agents to external data and tools.Once connected, you can ask an agent to analyze your finances, retrieve account information, and take action on your Mercury account. Source ↗

APIAutomate your financial operations with a full banking API, terminal-native CLI, and AI-ready MCP server.
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Personal BankingManage your money confidently with checking and high-yield savings accounts, built on modern financial technology. Mercury is a fintech company, not a bank.
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Life ScienceSecure and powerful banking solution for researchers and builders in diagnostics, medical devices, pharmaceuticals, and beyond.
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Marketing & Ads

GoogleMercury Technologies, Inc
Original ad ↗
Ad creativeFirst shown Jul 9, 2026 · Last shown Nov 10, 2026

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GoogleMercury Technologies, Inc
Original ad ↗
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LinkedInMercury
Original ad ↗
Radically Different Banking

Radically Different Banking

Anna Maria, co-founder and CEO of Impact AI, uses Mercury to assign a virtual card to each of her agents with a hard monthly spending limit. And as an immigrant founder, she had her Mercury account set up in minutes without an SSN. No fuss. Everything that fuels the business, in one place.

Learn more

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LinkedInColin Gardiner
Original ad ↗
Ad creative

I just canceled QuickBooks (finally). And I enabled Mercury Books, and it is awesome. It saves me so much time having my accounting where my accounts live, and frankly, the MCP is a game-changer compared to QuickBooks. If you haven't tried banking out with Mercury please do yourself a favor and check it out! No looking back. Great work Immad Akhund and team!

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GoogleMercury Technologies, Inc
Original ad ↗
Ad creativeFirst shown Jul 2, 2025 · Last shown Nov 10, 2026

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GoogleMercury Technologies, Inc
Original ad ↗
Ad creativeFirst shown Feb 19, 2026 · Last shown Nov 10, 2026

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LinkedInMercury
Original ad ↗
Business banking built for your next stage of growth

Business banking built for your next stage of growth

As your business grows, your financial operations shouldn’t hold you back. See what moving to Mercury looks like, with onboarding support along the way.

Learn more

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GoogleMercury Technologies, Inc
Original ad ↗
Ad creativeFirst shown Nov 2, 2026 · Last shown Nov 10, 2026

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LinkedInMercury
Original ad ↗
Radically Different Banking

Radically Different Banking

Mercury Payroll is live. You make the hire, Mercury handles the rest. It’s AI-powered payroll with white-glove compliance support, built into your Mercury account.

Learn more

Landing page unavailable: the ad source did not supply a destination URL.

GoogleMercury Technologies, Inc
Original ad ↗
Ad creativeFirst shown Feb 18, 2026 · Last shown Nov 10, 2026

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GoogleMercury Technologies, Inc
Original ad ↗
Ad creativeFirst shown Jul 9, 2026 · Last shown Nov 10, 2026

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GoogleMercury Technologies, Inc
Original ad ↗
Ad creativeFirst shown Jul 9, 2026 · Last shown Nov 10, 2026

Landing page unavailable: the ad source did not supply a destination URL.

GoogleMercury Technologies, Inc
Original ad ↗
Ad creativeFirst shown Nov 2, 2026 · Last shown Nov 10, 2026

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LinkedInSridhar Rajagopal
Original ad ↗
Ad creative

Ennoia is an AI-RAN telecom observability company, and trust comes up constantly in our discussions. So when Mercury’s ambassador program mentioned a new AI-based product, Mercury Books, and offered to put a question to real accountants, as an ambassador, I asked: how much can we trust AI-based accounting tools versus a human? I got two answers that I wanted to share: Lauren Murphy, CGMA (Hire CFO): “Many AI-based finance tools can automate time-consuming work like data entry, expense management, and reporting. But the tools are only as good as the setup behind them. It’s important to let your human accountant choose the right fintech stack for your business and ensure it’s implemented properly, with your chart of accounts, workflows, and controls built specifically for how you operate. Once that foundation is in place, your human accountants are freed up to focus their time on advising your business strategically — adding value where the AI isn’t equipped to do so.” Chris Pop, CPA (Ridgewood CPA): “AI’s a great tool. It is fast at categorizing transactions, flagging unusual items, and drafting initial reports. But judgment calls that actually know your business? Still a human job. We use both, on purpose.” That matches what we see: the AI model is rarely the hard part — the setup around it is. I signed up to evaluate Mercury Books and it looks interesting so far: books and banking in one view, AI doing the routine categorization and reconciliation, and unlimited advisor seats — so the human stays in the loop as needed. Curious on your views on adopting AI for finance. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC,

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LinkedInMercury
Original ad ↗
Radically Different Banking

Radically Different Banking

Mercury Payroll is live. You make the hire, Mercury handles the rest. It’s AI-powered payroll with white-glove compliance support, built into your Mercury account.

Learn more

Landing page unavailable: the ad source did not supply a destination URL.

LinkedInPaul Velusamy
Original ad ↗
Ad creative

As a founder, one of the biggest challenges is knowing whether the financial picture in front of you is actually current. Revenue may be growing. Cash may look healthy. But until the books are reconciled, you may not have the full picture. That’s what I like about Mercury Books. It brings banking and bookkeeping together, automatically pulling in financial data and using AI to categorize and reconcile Mercury transactions. For me, the real value is visibility. I want to understand where the business stands while I’m making decisions...not weeks later when the books are closed. For founders, that kind of financial clarity is exactly what Mercury is aiming to deliver with Mercury Books. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

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LinkedInImmad Akhund
Original ad ↗
Ad creative

Traditional banks are blocking AI agents from customer accounts. It’s an admission that the biggest players in banking don’t understand the next five years. And, it's a bad security policy.  Mercury is building for founders that want to use agents securely. Our new Agent Controls page in the Mercury app shows every agent connected to your account, what it’s allowed to do, a record of activity, and lets you cut it off at any time in seconds. Blocking agents is the opposite of a good security policy. Founders are already using agents, so trying to block them only pushes people to share a login with their agent or let it drive their browser with few guardrails and no record of what it did.  We're building for agents with clear safeguards, visibility, and permission. Agent Controls shows every agent connected to your Mercury account, who connected it, and what it's permitted to do. You can disconnect any agent in seconds. In the Mercury app, you can also see an activity tab which gives you a clear record of the action taken on your account by an agent When you connect an external agent to Mercury via the MCP, it is limited to existing permissions by design. If you have an employee  who isn’t allowed to send a payment, that permission doesn't even appear as an option to grant to their agent. And you can always scope agent access down further than your own access for greater control.  Our customers, like Etched and TypeSafe AI, are on the frontier of AI, and we expect more customers like them will use agents. From Aug to Oct, we saw a 3x increase in new MCP users. What they want is control around agent access. Few in banking are giving it to them. Eventually big banks may build for agents instead of blocking them, but founders don’t have time to wait for that. We’re building banking* for how founders already work. Now it’s even easier to see and manage agent access in Mercury with Agent Controls.  *While we’ve received conditional approval to become a bank, Mercury today is a financial technology company, not a bank. Banking services provided through Choice Financial Group and Column N.A.

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Get in Touch | Mercury ↗

Have a question? We’re here to help, and we check our email frequently. Send us your questions, comments, or inspirational quotes.

Observed Nov 10, 2026

Mercury | Contact our sales team ↗

Ready to simplify your company’s finances? Contact Mercury’s sales team for a demo, custom solutions, and guidance on getting started.

Observed Nov 10, 2026

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