Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
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
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 →How other platforms handle this
If you return or otherwise receive a refund for which you have already received a cashback reward, we reserve the right to debit any related cashback rewards you have already received or withhold future cashback rewards to offset that amount.
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
a Referred User does not include any user who has previously deleted their Account.
Monitoring
Mercury has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 20 platforms.
"Your Mercury accounts must be open and in good standing to receive cashback.Excerpt from Mercury's Terms of Service
Provision-level monitoring, governance timelines, and regulatory mapping built from archived source documents and historical version tracking.
The clause states: “Your Mercury accounts must be open and in good standing to receive cashback.”
ConductAtlas has identified this type of provision across 34 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Mercury.