Mercury added a new section governing recurring automatic payments (autopay) on invoices, effective June 26, 2026. The updated terms establish that payers authorize recurring ACH debits through a separate addendum, and specify that Mercury will not reinitiate failed payments, will automatically cancel autopay after two consecutive failures, and will only re-attempt once if a Mercury system issue causes a missed payment date. Mercury also states it is not liable for losses from authorization failures, unauthorized debits, or payer cancellations, except as required by law.
Businesses: If a payer's autopay payment fails twice in a row, Mercury will automatically cancel their authorization and the business must either re-enroll the payer or collect manually.
Mercury's updated terms establish detailed rules for how recurring autopay works on invoices. Under the revised language, payers authorize recurring ACH debits through a separate addendum, Mercury will not retry failed payments (except once if caused by a Mercury system issue), and autopay authorization will automatically cancel after two consecutive failures in a series. You can prevent autopay cancellation by ensuring payers have sufficient funds, re-enrolling the payer, or requesting manual payment if the series fails twice.
→ Review your payer authorization documents to confirm they disclose the auto-cancellation rule after 2 consecutive failures.
→ Update billing disclosures and onboarding materials to explain that Mercury will not retry failed payments and that payers must have sufficient funds or re-authorize.
ConductAtlas has recorded 2 material changes to this document (since May 2026).
Authorization automatically cancels after 2 consecutive failed recurring payments; continued collection requires payer re-enrollment or manual payment.
Mercury will not re-attempt failed payments except once if the failure was due to a Mercury system issue; payer remains responsible for collecting from non-payer.
Mercury disclaims liability for losses from payer authorization, failure to authorize, cancellation, or unauthorized debits, except as required by law.
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
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