Mercury Terms of Service

Mercury's Terms of Service set the rules for who can open an account, how the service can be used, and what happens when things go wrong. Mercury's liability to you is capped at $1,000.00 no matter what, and Mercury takes no responsibility for losses from unauthorized use of your account. Once a wire transfer is accepted, you cannot cancel or change it, and invoice payments may be held for up to four business days before the funds are available to you.

Mercury's Terms of Service establish the conditions under which Mercury provides banking and payment services to eligible users, defined as U.S. citizens aged 18 or older for Personal Accounts, or U.S.-formed and registered legal entities for other account types. The document grants users a non-exclusive, limited, non-transferable, and freely revocable license to use the Services only as their features permit, while imposing a broad indemnification obligation requiring users to defend and hold harmless Mercury and its affiliates against any and all third-party claims, damages, and costs. Mercury disclaims all warranties, caps its total liability to users at $1,000.00, and bears no liability for losses arising from unauthorized account use. Key operational constraints include irrevocability of wire instructions once accepted, a risk-based funds availability hold of up to four business days on ACH invoice payments, a narrow 30-minute cancellation window for transfers, and a prohibition on any use—direct or indirect—that benefits OFAC Specially Designated Nationals.

As a Mercury user, you are personally responsible for defending Mercury and its affiliates from any third-party claims that arise in connection with your use of the service, which can expose you to significant out-of-pocket costs. Mercury's total financial obligation to you for any harm is limited to $1,000.00, and Mercury accepts no responsibility for losses caused by unauthorized access to your account. If you need to cancel a transfer, you must act within 30 minutes of authorization and only before the funds have been picked up or deposited. Wire instructions are final once Mercury accepts them, so you should verify all wire details before submission.