How to set up payroll on Mercury

If you need to set up your payroll after moving your banking to Mercury or switching between Mercury’s partner banks, you’ll need to update your account details with your payroll provider.

The most common method for connecting payroll providers to Mercury is via ACH debit, also known as ACH pull or direct debit (if outside of the U.S.). Some payroll providers also support reverse wires, also known as wire drawdowns. Which method you use will depend on what your payroll provider supports or requires from your company.

How to set up ACH debits (also known as ACH pulls or direct debit)

1. If you do not have ACH authorization enabled on Mercury, skip to step two.
   
   If you do have ACH authorization enabled on Mercury, you’ll need to authorize your payroll provider by adding their ACH Originator ID(s) (also known as ACH Company ID or Vendor ID) to your list of authorized parties — you also have the option of setting a transaction limit. (ACH Originator IDs are ten-digit codes used to identify payroll providers and other entities that collect payments via ACH debit. Similar to a mailing address, these IDs help ensure the ACH debit is delivered to the correct account holder. You can request them from your payroll provider.)
   
   *Please note that if you do not authorize your payroll provider as a vendor or they initiate a transaction above the set transaction limit, one of your org admins will be notified to review the ACH pull. If that window expires without admin approval or rejection, the ACH pull will be auto-approved.
   
   
   Did you know? ACH authorization ensures the fastest payroll funding. Learn how to set it up here.
   
2. Retrieve the account number and routing numbers for your Mercury payroll account. You can do this by clicking the account (located under your “Accounts” tab) and copying the numbers from the details card in the top right. Your payroll provider will need these to complete the ACH debit setup.
3. Follow the instructions from your payroll provider to complete the setup. Here are links to instructions from some common payroll providers that support ACH debit:
   1. Gusto
   2. Rippling
   3. Deel
   4. Justworks
   5. Trinet
   6. ADP
   7. Intuit QuickBooks
   8. Paychex (Make a client support request)
   9. Oyster HR
   10. Onpay Inc.
   11. Remote

If you can’t find instructions for how to connect or change your linked bank account, you can try these steps:

1. Retrieve the account number and routing numbers for your Mercury payroll account. You can do this by clicking the account (located under your “Accounts” tab) and copying the numbers from the details card in the top right. Your payroll provider will need these to complete the setup.
2. Log in to your payroll provider portal and navigate to the settings page where you can connect or change your bank account information.
3. Verify your bank account. Plaid is usually the fastest way to verify your bank account. However, if Plaid is not an option, you can use manual verification — this usually takes 2–3 days and begins with the provider making 1–2 micro-deposits (random amounts that are typically less than $0.50) into your bank account that you will need to verify by logging in and inputting the amount. These deposits will be reversed after the verification process.
4. In your payroll portal, make sure you enable the correct settings for automatic processing from your bank account before the processing date.

How to set up reverse wires (also known as wire drawdowns)

Some payroll providers require companies to fund payroll through a reverse wire (sometimes called wire drawdown).

Follow the instructions here to set up your payroll via reverse wires.