Eligibility
This payment option is only available on invoices where the invoice sender has enabled the "Accept ACH Debit" option (Learn more).
First time payer
You’ll receive an email indicating that you’ve been sent an invoice. To set up ACH Debit, follow these steps:
- Click “Pay Invoice”
- Select “Create Payer Account”
- Fill in the prompted information
- Click “Set and Connect”
- Verify your email
- You’ll receive an email at the address you used in step 3
- Once verified, select “Go to Invoice”
- Click “Connect Bank Account”
- Follow Plaid’s prompts to connect your bank account
- After your account is connected, click the check box to authorize Mercury to debit your account.
- Select “Send Payment”
- You’ve initiated the payment for the invoice— you’ll be able to download your invoice on this page
Returning payer
You’ll receive an email indicating that you’ve been sent an invoice.
- Click “Pay Invoice”
- Select “Sign In”
- Enter your email and password and click “Log In”
- Select the account from which you’d like to pay the invoice
- Click the check box to authorize Mercury to debit your account
- Select “Send Payment”
- You’ve initiated the payment for the invoice — you’ll be able to download your invoice on this page
FAQs
What is ACH Debit?
ACH Debit is a payment method that enables funds to be withdrawn directly from a checking or savings account.
What are the benefits of ACH Debit?
You can pay directly from the invoice page. There is no need to go to your banking app, no need to copy and paste any information from the invoice, which results in fewer chances for errors to occur.
How is my bank account information shared and used?
We securely store your information. The invoice sender has no access to that data. Additionally, you need to authorize each payment, so you cannot be automatically charged without your approval.
How can I disconnect my bank account?
You can disconnect your bank account at any time by logging into your Mercury Payer account and disconnecting.
When will my invoice be paid?
The invoice sender can see you initiated the payment immediately, but the transaction may take up to five business days to settle in their account.
What if my bank does not support Plaid?
You can send the payment as an ACH or wire rather than an ACH Debit if your bank does not support Plaid.
Mercury is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Column N.A., and Evolve Bank & Trust; Members FDIC.