Mercury Partner Profile

Mercury Products for Venture-Funded Startups

Business Checking & Savings Accounts

• No monthly fees. Mercury offers business checking and savings accounts with no monthly or hidden fees, and free domestic and international wires.
• High FDIC insurance. Deposits are FDIC-insured up to $5 million through a sweep network of partner banks.
• Digital-first experience. Accounts can be opened and managed entirely online, with a clean interface and rapid onboarding.
• API access. Every account includes read/write API access for custom automations, dashboards, and programmatic payments.

Corporate Cards (Mercury IO Mastercard)

• No personal guarantee. Approval is based on business financials, not personal credit.
• 1.5% cashback. Earn unlimited 1.5% cashback on all purchases, automatically deposited into your Mercury account.
• Instant virtual and physical cards. Issue cards for employees or vendors with custom limits and controls.
• Spend management. Set granular spend policies, merchant restrictions, and approval workflows.
• Subscription management. View and manage all company subscriptions in one place, with tools to spot and cancel duplicates.

Expense Management & Reimbursements

• Automated expense tracking. Transactions are automatically categorized and reconciled, reducing manual work.
• Receipt capture. Employees can submit receipts via mobile or web, with AI-powered data extraction.
• Policy enforcement. Set custom rules for receipts, notes, and submission timeframes.
• Reimbursements. Process out-of-pocket expense reimbursements directly from the Mercury dashboard, with bulk approval and payment options.
• Accounting integrations. Sync seamlessly with QuickBooks, Xero, and NetSuite for faster month-end close.

Bill Pay & Accounts Payable Automation

• AI-powered bill pay. Upload, forward, or drag-and-drop invoices; Mercury uses AI to extract bill details and detect duplicates.
• Approval workflows. Set up multi-step approvals and custom rules for bill payments.
• Accounting sync. Categorize bills with GL codes and sync payments directly to your accounting software.
• Vendor management. Manage vendors and schedule recurring payments, all from a dedicated bill pay dashboard.

Treasury & Cash Management

• Mercury Treasury. Invest idle cash in high-liquidity, lower-risk mutual funds managed by J.P. Morgan and Morgan Stanley. For balances over $250,000.
• Automated sweeps. Set custom rules to move funds between operating and treasury accounts for optimal yield and liquidity.
• Personalized portfolio management. For balances over $25 million, access tailored portfolio management services.
• Quick access. Withdraw funds as soon as the same day, maintaining flexibility for operational needs.

Venture Debt

• Founder-friendly financing. Mercury offers venture debt solutions to help startups extend their runway without diluting equity.
• Flexible terms. Designed for venture-backed startups, with streamlined application and approval processes.

API Integrations & Automation

• Developer-friendly API. Automate payments, reconciliation, and reporting; build custom dashboards and workflows.
• Third-party integrations. Connect Mercury with over 1,000 apps and tools, including HR, payroll, and accounting platforms, to streamline financial operations.

Startup Perks & Community

• Exclusive perks. Access to a curated database of investors, startup resources, and discounts on essential business tools.
• Global access. Mercury supports startups incorporated in the U.S. and select international jurisdictions, making it accessible for global founders.