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 may have funds debited from their account when an invoice payment is returned or reversed, meaning they bear the financial risk of such events.
Interpretive note: The excerpt contains a closely related but independent proposition—that Mercury is not responsible for returned or reversed ACH entries—which is recorded in omitted_material.
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 →If an invoice payment you received is returned or reversed, Mercury may deduct that amount directly from your account.
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"Mercury is not responsible for returned or reversed ACH entries and reserves the right to debit your Account for the amount of any returned or reversed Invoice Payment...— Excerpt from Mercury's Mercury Terms of Service
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Users may have funds debited from their account when an invoice payment is returned or reversed, meaning they bear the financial risk of such events.
If an invoice payment you received is returned or reversed, Mercury may deduct that amount directly from your account.
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