This analysis describes what Mercury's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Users cannot access invoice payment funds immediately upon ACH debit initiation; the hold period of up to four business days delays availability and is determined by Mercury's risk assessment.
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.
View change record →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.
View change record →When you receive an invoice payment via ACH, funds will not be immediately credited to your account and may be withheld for up to four business days, depending on Mercury's risk-based determination.
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"Mercury applies a risk-based funds availability period before crediting the payment to your Account...may be one (1), two (2), or four (4) business days from the date the ACH debit is initiated.Excerpt from Mercury's Terms of Service
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Users cannot access invoice payment funds immediately upon ACH debit initiation; the hold period of up to four business days delays availability and is determined by Mercury's risk assessment.
When you receive an invoice payment via ACH, funds will not be immediately credited to your account and may be withheld for up to four business days, depending on Mercury's risk-based determination.
ConductAtlas has identified this type of provision across 230 platforms. See the full comparison.
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