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 are separately engaged as an Instacart independent contractor, your Independent Contractor Agreement—not these Terms—governs your relationship with Instacart in that capacity.
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.
These Terms and the licenses granted hereunder may be assigned by the Company but may not be assigned by you without the prior express written consent of the Company.
"If your Deposit or Savings Account with Banking Provider is provided to you for personal, family, or household (i.e., consumer) purposes...Regulation E (12 CFR Part 1005) governs the transfer and supersedes any inconsistent terms here...Excerpt from Mercury's Terms of Service
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The clause states: “If your Deposit or Savings Account with Banking Provider is provided to you for personal, family, or household (i.e., consumer) purposes...Regulation E (12 CFR Part 1005) governs the transfer and supersedes any inconsistent terms here...”
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