“Use the Account or the Services for the benefit, either directly or indirectly, of an individual, organization, or country identified on the United States Office of Foreign Asset Control's Specially Designated Nationals List...”
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
The prohibition covers both direct and indirect benefit, meaning users cannot structure transactions to route benefits to sanctioned parties through intermediaries.
Interpretive note: The excerpt appears to be a fragment of a broader prohibited-use list rather than a standalone clause; the full context of how this prohibition is enforced or what consequences follow is not visible in the quoted language.
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 →You are prohibited from using Mercury's account or services in any way that benefits—directly or indirectly—any individual, organization, or country on the OFAC Specially Designated Nationals List.
How other platforms handle this
for the benefit or on behalf of any person listed in any Sanctions-related list of designated persons maintained by the Office of Foreign Assets Control...or any person owned 50 percent or more by such person
You may not use any Amazon Service if you are the subject of U.S. sanctions or of sanctions consistent with U.S. law imposed by the governments of the country where you are using Amazon Services.
Our Services may not be used for any end use prohibited by applicable trade laws, and your Input may not include material or information that requires a government license for release or export.
"Use the Account or the Services for the benefit, either directly or indirectly, of an individual, organization, or country identified on the United States Office of Foreign Asset Control's Specially Designated Nationals List...Excerpt from Mercury's Terms of Service
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The prohibition covers both direct and indirect benefit, meaning users cannot structure transactions to route benefits to sanctioned parties through intermediaries.
You are prohibited from using Mercury's account or services in any way that benefits—directly or indirectly—any individual, organization, or country on the OFAC Specially Designated Nationals List.
ConductAtlas has identified this type of provision across 181 platforms. See the full comparison.
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