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 bear the full financial risk of any losses resulting from unauthorized account access or use, with no recourse against Mercury regardless of the circumstances.
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 →If your account is used without your authorization and you suffer losses, Mercury will not compensate you for those losses.
How other platforms handle this
Netflix is not obligated to credit or discount a subscription for holds placed on the account by either a representative of Netflix or by the automated processes of Netflix.
Datadog will not be responsible for failures to fulfill any obligations due to causes beyond its control.
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"Mercury will not be liable for any losses caused by any unauthorized use of your Account.— Excerpt from Mercury's Mercury Terms of Service
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Users bear the full financial risk of any losses resulting from unauthorized account access or use, with no recourse against Mercury regardless of the circumstances.
If your account is used without your authorization and you suffer losses, Mercury will not compensate you for those losses.
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