Sending international payments

You can send payments to eligible countries in a variety of currencies using a process similar to sending a domestic payment.

Creating an international wire

1. Go to Move Money in the upper right corner of your dashboard, then select Send.
2. You can also create a new payment by going to your Payments page and selecting Create Payment.
3. Select, create or invite a recipient.
4. When filling out the Payment Details section, select International Wire - USD or International Wire - Foreign exchange as the Method of payment from the dropdown and click Next.
   • Once a SWIFT code is entered, the wire details form will automatically update to request the necessary information for the recipient's bank and country. Please ensure a valid SWIFT code is provided to proceed.
   • You will also have to provide an IBAN (International Bank Account Number). Please double check that this is correct with the recipient. 
5. Select your currency (if sending non-USD), then enter the amount you want to send and which account to pay from. 

6. Next, tell us more about the Purpose of the wire using the dropdown options.
7. You’ll be asked whether you want to send the payment immediately or select a date to schedule an upcoming payment.
8. If you toggle “Repeat this payment,” you can set up a recurring payment that will automatically process on a schedule of your choosing.
9. Include optional additional details related to the payment such as memos or attachments
10. Review the payment details and click Send Payment.
11. From your Review screen, you can optionally enter an email address (your own or someone else) to send an email receipt when the payment processes.

Tracking your payment

Wires usually process within 2-3 days of the scheduled payment date.

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), 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.