“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.
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 This means a promotional offer you qualified for could be withdrawn or modified by the partner without Mercury's involvement or recourse through Mercury.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 →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
Our Services may not be used in or for the benefit of, or exported or re-exported to (a) any U.S. embargoed country or territory or (b) any individual or entity with whom dealings are prohibited...
No Software from the Site may be downloaded or otherwise exported or reexported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country subject to a U.S. or U.N. embargo or sanction...
You and your affiliates will not export, resell, transfer, or supply Anker products or services to Embargoed or Restricted Regions, or engage in any activities that may trigger trade restrictions or economic sanctions.
"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 178 platforms. See the full comparison.
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