Sending international payments

On Mercury, you can send payments to 200+ countries and regions, in 40+ local currencies. This article covers how to send an international wire, track its status, and understand eligibility and restrictions.

Initiating an international wire

1. Go to Move Money in the upper-right corner of your dashboard and select Send
2. Choose a recipient:
   • Upload a bill, select an existing recipient, or create/invite a new recipient
3. If creating a new recipient:
   • Add their name and basic info
   • Click Create Recipient
4. Enter the payment details:
   • Select International Wire as the payment method
   • Choose your currency (USD or one of 40+ supported local currencies) from the dropdown 
5. Review or enter bank details:
   • Start with the recipient’s SWIFT code. The form will update based on country-specific requirements
   • If prompted, add the IBAN (International Bank Account Number)
   • (Optional) Add a correspondent or intermediary bank's SWIFT code. Only include this if the recipient instructs you to—extra details may cause rejections
   • Review these details and ensure information is accurate. Errors may delay or block the transfer 
6. Click Next

Filling out “Amount” details

7. Enter the payment amount
8. Choose the fee structure:
   • SHA – Recipient absorbs potential intermediary bank fees and fees are deducted directly from the wire amount
   • OUR – The intermediary bank fees are covered by the payer and the recipient gets the full amount
   • You can read more about fee structures here 

Confirming “Source account” and schedule

9. Choose your source account
10. Set the send date (today or scheduled)
11. (Optional) Set up a recurring payment

Additional details and finalizing 

12. If you use an accounting integration, select the relevant GL codes
13. In the Details step:
    • Describe the purpose of the wire
    • Add optional memos, attachments, or recipient email addresses for receipts
    • For countries that require documentation, you may need to select "I’d like to provide additional information" and fill out a description of the payment reason, indicate whether or not you plan to pay this recipient in the future, and upload any supporting documentation such as an invoice or a contract
14. Click Next to review everything. Double-check recipient details—incorrect info will cause the wire to be rejected and returned

Tracking your payment

Wires usually process within 1-3 days of the scheduled payment date, and can take up to 5 working days to reach your recipient.

Once sent, you should be able to view details (reflecting the USD amount deducted from your account) from your Transactions page.

Where you can send international payments

On Mercury, you can send money to most countries around the world — however, there are some exceptions. As part of our continued commitment to ensure secure, compliant transactions for all customers, we reserve the right to reassess our risk appetite and update these country lists at any time. Please see below for more details. 

Locations that will require documentation

We support outgoing payments to, incoming payments from, as well as card swipes and ATM withdrawals within, the following countries and regions. For the 14 countries and regions marked with an asterisk (*), you are required to provide the payment reason, indicate whether you plan to pay this recipient in the future, and upload supporting documentation when sending a payment: 

Aland Islands, Albania*, Algeria, American Samoa, Andorra, Angola, Anguilla, Antigua & Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Bangladesh, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bosnia & Herzegovina*, Botswana, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei Darussalam, Bulgaria, Burkina Faso, Burundi*, Cambodia*, Cameroon*, Canada, Caribbean Netherlands, Cayman Islands, Chad, Channel Islands, Chile, China, Christmas Island, Cocos (Keeling) Islands, Colombia, Cook Islands, Costa Rica, Côte d'Ivoire, Crimea, Croatia*, Curacao, Cyprus, Czech Republic, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Estonia, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Great Britain, Greece, Greenland, Grenada, Guadeloupe, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Holy See (Vatican), Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Ivory Coast (Côte d'Ivoire), Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyz Republic (Kyrgyzstan), Laos, Latvia, Lebanon*, Lesotho, Liechtenstein, Libya*, Lithuania, Luxembourg, Macao, Macedonia, Madagascar, Malawi, Malaysia, Maldives, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Namibia, Nauru, Nepal, Netherlands, New Caledonia, New Zealand, Nicaragua*, Niger, Nigeria*, Niue, Norfolk Island, Northern Mariana Islands, Norway, Oman, Pacific Islands, Pakistan*, Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines*, Poland, Portugal, Qatar, Reunion, Romania, Rwanda, Saint Barthelemy, Saint Helena, Saint Kitts and Nevis, Saint Lucia, Saint Pierre & Miquelon, Saint Vincent's & Grenadines, Samoa, San Marino, Sao Tome and Principe, Senegal, Serbia, Sevastapol, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia*, South Africa, South Georgia and the South Sandwich Islands, South Korea, Spain, Sri Lanka, Sudan*, Suriname, Swaziland, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor Leste, Togo, Tokelau, Tonga, Trinidad & Tobago, Tunisia, Turkey, Turks and Caicos, Tuvalu, Uganda, Ukraine (non-sanctioned regions)*, United Arab Emirates (UAE), United Kingdom, Uruguay, Uzbekistan, Vanuatu, Vietnam, Wallis & Futuna, Western Sahara, Zambia, Zimbabwe*.

Locations that will be blocked

We currently do not support outgoing payments to or incoming payments from the following countries and regions (including online merchants with legal addresses in these locations), nor do we allow card swipes or ATM withdrawals within them:

Afghanistan, Belarus, Central African Republic, Congo (the Democratic Republic of the), Congo (the), Cuba, Eritrea, Haiti, Iran (Islamic Republic of), Iraq, North Korea (DPRK - Democratic People’s Republic of Korea), Liberia, Mali, Mozambique, Myanmar (Burma), Palestine (State of), Qatar (only outgoing payments blocked), Russia, South Sudan, Syria (Syrian Arab Republic), Ukraine (sanctioned regions), Venezuela (Bolivarian Republic of), Yemen.
 

Who can send international wires

First, if your Company Legal Address is not in the U.S. or a U.S.-based territory, you will not be eligible to send international wires on Mercury. 

Additionally, if you have a Company Physical Address or Beneficial Owner (BO) Address in one of the following countries or regions, you will not be eligible to send international wires on Mercury:

Afghanistan, Albania, Belarus, Bosnia & Herzegovina, Burundi, Cambodia, Cameroon, Central African Rep, Congo (the), Congo (the Democratic Republic of the), Croatia, Cuba, Eritrea, Haiti, Iran (Islamic Republic of), Iraq, Korea (the Democratic People's Republic of), Lebanon, Liberia, Libya, Mali, Mozambique, Myanmar (Burma), Nicaragua, Nigeria, Pakistan, Palestine, State of, Philippines, Russia, Somalia, South Sudan, Sudan (the), Syrian Arab Republic, Ukraine, Venezuela (Bolivarian Republic of), Yemen, Zimbabwe.