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
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you agree that Company may either terminate or suspend your subscription and continue to attempt to charge your Payment Provider until payment is received...
If any subscription fee is not paid in a timely manner or your transaction cannot be processed, we reserve the right to suspend, disable, cancel, or terminate your access to the Services or your DashPass subscription.
"We may suspend your access to or use of the International Wire Services immediately and without notice to you in the event we or any International Wire Services Provider reasonably suspects you have breached applicable law or these terms.Excerpt from Mercury's Terms of Service
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The clause states: “We may suspend your access to or use of the International Wire Services immediately and without notice to you in the event we or any International Wire Services Provider reasonably suspects you have breached applicable law or these terms.”
ConductAtlas has identified this type of provision across 276 platforms. See the full comparison.
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