“Mercury will not be liable for any losses caused by any unauthorized use of your Account.”
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.
The updated terms establish that third-party promotional partners may change or discontinue perks at any time, including after you have met a perk's eligibility or redemption requirements. Mercury states it will not be responsible for honoring, fulfilling, or subsidizing a perk that a partner modifies or discontinues, and directs you to contact the partner directly if a perk is discontinued or not honored. This means a promotional offer you qualified for could be withdrawn or modified by the partner without Mercury's involvement or recourse through Mercury.
View change record →The updated terms establish new procedures for automatic recurring invoice payments. Under the revised language, when a payer enables autopay, Mercury does not guarantee that recurring payments will process, and if two consecutive payments fail, the payer's autopay authorization is automatically cancelled without advance notice. The terms also state that Mercury will not re-attempt failed recurring payments except when a Mercury system issue caused the failure (in which case Mercury will attempt once on the next banking day). Mercury limits its liability for losses arising from payment failures, authorization issues, or unauthorized debits except as required by applicable law. Merchants and payers should review their autopay settings and payment methods to ensure continuity of recurring billing.
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
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"Mercury will not be liable for any losses caused by any unauthorized use of your Account.Excerpt from Mercury's 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.
ConductAtlas has identified this type of provision across 281 platforms. See the full comparison.
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