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
You may not assign, transfer or sublicense all or any of your rights or obligations under these Terms without Datadog's express prior written consent.
You may not assign your rights, licenses, or obligations under these Terms. Any attempt to do so is void. Instacart may assign its rights, licenses, and obligations under these Terms without limitation.
If you believe we have taken action against your content or account in a way that does not comply with these Terms, you have the right to bring a claim for breach of contract under UK law.
"this feature is intended solely to block unauthorized or improper transactions and cannot be used to reverse transactions due to insufficient funds or those otherwise authorized by you or your authorized users.Excerpt from Mercury's Terms of Service
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.
The clause states: “this feature is intended solely to block unauthorized or improper transactions and cannot be used to reverse transactions due to insufficient funds or those otherwise authorized by you or your authorized users.”
ConductAtlas has identified this type of provision across 297 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Mercury.