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Mercury updated its Terms of Service on May 29, 2026 to add a new section governing Mercury Invoicing when merchants use it to receive payments via ACH. The updated terms establish that when a payer submits an ACH payment on an invoice you issued, Mercury applies a risk-based hold period of 1, 2, or 4 business days before crediting the funds to your account, determined by Mercury at its sole discretion based on transaction and payer risk factors. The updated terms also require Mercury to display an estimated funds availability date in your Invoicing dashboard for each incoming payment.
The updated terms establish that when customers pay invoices you issue through Mercury Invoicing via ACH debit, Mercury will apply a hold period before crediting the funds to your account. The hold period is determined by Mercury in its sole discretion based on risk factors related to the transaction, payer, and payment history, and may range from 1 to 4 business days from the date the ACH debit is initiated. Mercury will display an estimated funds availability date for each incoming invoice payment in your Invoicing dashboard.
The updated terms formalize Mercury's ACH payment processing timeline for merchants, establishing that incoming invoice payments will not be immediately available. Merchants relying on Mercury Invoicing for cash flow should understand that funds may be held for up to 4 business days while Mercury assesses transaction risk, which directly affects liquidity management and payment reconciliation.
→ Incoming ACH invoice payments will be subject to Mercury's risk-based hold periods as stated in the updated terms, ranging from 1-4 business days before funds are credited to your account.
New section establishes that ACH invoice payments are subject to Mercury-determined risk-based holds of 1-4 business days before funds are credited to merchant accounts.
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Mercury has formalized its ACH payment processing procedures for merchants using Mercury Invoicing by adding explicit language describing risk-based funds availability holds. The updated terms state that hold periods of 1, 2, or 4 business days are determined by Mercury in its sole discretion based on transaction risk factors. This constitutes a formal disclosure of a payment processing practice. Organizations using Mercury Invoicing for accounts receivable or cash flow management should evaluate whether this hold structure affects their liquidity planning or payment reconciliation processes. No specific regulatory mandate appears to trigger this change, though payment processors generally operate under banking regulations and ACH rules administered by NACHA and the Federal Reserve.
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Analyst $49/moConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-002448.
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