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 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 This means a promotional offer you qualified for could be withdrawn or modified by the partner without Mercury's involvement or recourse through Mercury.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 →How other platforms handle this
To be able to receive any type of Rewards from us, you must...have a verified Account with us be at least 18 years old meet the Individual Reward Criteria not violate the Rewards & Wallet Terms
The loan must still be an active loan in good standing ninety (90) days after the disbursement date, meaning the account remains open and hasn't been paid off, and the borrower is current on all payments with no defaults or violations of the loan terms.
a Referred User does not include any user who has previously deleted their Account.
"Your Mercury accounts must be open and in good standing to receive cashback.Excerpt from Mercury's Terms of Service
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
The clause states: “Your Mercury accounts must be open and in good standing to receive cashback.”
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