Cashback rewards require active accounts in good standing and may be forfeited upon account closure or pending closure due to terms violations. Mercury reserves the right to modify or terminate the cashback program at any time, with changes communicated via email or website posting.
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 cashback rewards are contingent on ongoing account status and may be forfeited without recourse if the account is closed or pending closure, including closures initiated by Mercury. Mercury also reserves the right to discontinue the cashback program at any time.
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, accumulated cashback rewards are at risk of forfeiture if a Mercury account is closed or enters pending closure status due to a terms violation. Mercury may modify or terminate the cashback program at any time, with notice provided by email or website posting rather than through a defined advance notice period.
Cross-platform context
See how other platforms handle Cashback Program Modification and Forfeiture and similar clauses.
Compare across platforms →"Your Mercury accounts must be open and in good standing to receive cashback. Cashback rewards may be forfeited if your account is closed or pending closure based on a violation of any applicable terms. Mercury may modify or terminate the cashback program at any time, and any promotional offers or other changes will be communicated by email or on our website.Excerpt from Mercury's Terms of Service
1) REGULATORY LANDSCAPE: Cashback reward forfeiture provisions may engage state consumer protection laws and potentially FTC Act standards related to unfair or deceptive practices if rewards are forfeited without adequate notice or due process.
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This provision establishes that cashback rewards are contingent on ongoing account status and may be forfeited without recourse if the account is closed or pending closure, including closures initiated by Mercury. Mercury also reserves the right to discontinue the cashback program at any time.
Under this clause, accumulated cashback rewards are at risk of forfeiture if a Mercury account is closed or enters pending closure status due to a terms violation. Mercury may modify or terminate the cashback program at any time, with notice provided by email or website posting rather than through a defined advance notice period.
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