Setting up ACH debits

If you need to set up ACH debit configurations after moving your banking to Mercury, switching between Mercury’s partner banks, or for processing payroll, you’ll need to update your account details with relevant service providers.

ACH debits, also known as ACH pulls or direct debits (if outside of the U.S.) are commonly used by payroll providers and other service providers, including utilities, subscription services, and credit card companies. Some service providers may also support reverse wires, also known as wire drawdowns. The method you use will depend on what your service provider supports or requires from your company.

How to set up or update ACH debits

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 can add newly created checking accounts to existing authorizations from your Authorizations page. Simply click on the provider, select the edit icon and you’ll see the option to Remove or Add Accounts. You can learn more about how to enable and manage ACH Authorizations here.
   
   *Please note that if you do not authorize your service 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 automatically approved or rejected, depending on your organization’s settings.
   
   
   Did you know? ACH authorization ensures the fastest processing for recurring payments. Learn how to set it up here.
2. Retrieve the account number and routing numbers for your Mercury 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 service provider will need these to complete the ACH debit setup.
3. Follow the instructions from your service provider to complete the setup. Here are links to instructions from some common providers that support ACH debit:
   • ADP
   • American Express
   • Bill.com
   • Brex Inc
   • Capital One
   • Chase Credit Card
   • Deel
   • Gusto
   • Intuit QuickBooks
   • IRS
   • Justworks
   • Next Insurance
   • Onpay Inc.
   • Oyster HR
   • Paychex (Make a client support request)
   • Payoneer Inc.
   • Ramp
   • Remote
   • Rippling
   • Stripe
   • Trinet
   • Wise Inc

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 account. You can do this by clicking the account (located under your “Accounts” tab) and copying the numbers from the card details card in the top right. Your service provider will need these to complete the setup.
2. Log in to your service 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 service provider 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 service providers (primarily payroll) require companies to fund payments through a reverse wire (sometimes called wire drawdown). Follow the instructions here to set up your payments via reverse wires.