Mercury reserves the right to restrict, suspend, or take other unspecified action on a user's account based on Mercury's own reasonable judgment that prohibited or potentially fraudulent activity has occurred or may occur. These rights are cumulative and do not limit Mercury's broader termination rights under Section 13.
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
This provision establishes that Mercury may take account action based on a forward-looking determination that prohibited activity is likely to occur, not only after a confirmed violation. Combined with Mercury's broader termination rights in Section 13, this creates a layered account enforcement framework where multiple independent grounds for account restriction or termination may apply simultaneously.
Interpretive note: Section 13 governing the full termination framework was not included in the available document text; the complete scope of notice requirements and cure periods cannot be assessed from the available excerpt alone.
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 →Under this clause, Mercury may restrict or suspend account access based on its own judgment that fraud or prohibited activity may occur, not only after a confirmed violation. The provision applies to both account access generally and Mercury Invoicing specifically, and is stated to be in addition to Mercury's broader termination rights.
Cross-platform context
See how other platforms handle Account Suspension and Termination at Sole Discretion and similar clauses.
Compare across platforms →"Mercury may, in its sole discretion, restrict, suspend, or take other action with respect to your Account or your use of Mercury Invoicing if Mercury determines, in its reasonable judgment, that fraudulent, unauthorized, or otherwise prohibited activity has occurred or is likely to occur in connection with your Account or any Invoice Payment. Mercury's exercise of rights under this Section 7A.4 is in addition to, and does not limit, Mercury's rights under Section 13 (Term and Termination) of this Agreement.Excerpt from Mercury's Terms of Service
1) REGULATORY LANDSCAPE: Account suspension and termination practices by banking-adjacent service providers may engage FTC Act standards related to unfair or deceptive practices if applied without adequate notice or due process.
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This provision establishes that Mercury may take account action based on a forward-looking determination that prohibited activity is likely to occur, not only after a confirmed violation. Combined with Mercury's broader termination rights in Section 13, this creates a layered account enforcement framework where multiple independent grounds for account restriction or termination may apply simultaneously.
Under this clause, Mercury may restrict or suspend account access based on its own judgment that fraud or prohibited activity may occur, not only after a confirmed violation. The provision applies to both account access generally and Mercury Invoicing specifically, and is stated to be in addition to Mercury's broader termination rights.
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