Mercury Bill Pay Review

Pros

• Unlimited bill payments for all Mercury accounts
• Business banking¹ with built-in accounting features
• Unlimited invoice generation
• Integrates with popular accounting software
• Expense management features

Cons

• Only available to Mercury customers

What Is Mercury Bill Pay?

Mercury is a fintech company that has become popular with startup businesses for online business checking and savings accounts,¹ even earning it a spot on our list of best online business bank accounts. When you sign up for Mercury, you also get access to bill pay, invoicing, and other great features — all at no cost.

Mercury makes it easy to pay vendors, track finances, manage expenses, and send invoices from one platform. It won’t cover all of your accounting needs in most cases, but these built-in features are great to have, especially if your business needs a business checking account with no surprise fees.

Mercury Bill Pay Pricing

Mercury has three monthly plans for its accounts, all of which include Bill Pay.

The standard Mercury account will cover the needs of most customers, as it includes the following:

• Unlimited bill payments
• FDIC-insured checking & savings accounts¹
• Corporate debit & credit cards²
• Online ACH, checks, & wires
• Unlimited invoice generation
• Reimbursements for up to five users per month
• Integrations with Xero & QuickBooks

The paid plans add recurring invoices, branded invoices, ACH debits, and additional user reimbursements. The Pro plan also includes a NetSuite integration, free ACH debits, and a dedicated relationship manager.

On all plans, you can add on additional reimbursements for $5 per month per active user.

Is Mercury Bill Pay Easy To Use?

Mercury’s platform is intuitive and easy to navigate. Your Mercury account can be accessed through the web or its apps for iOS or Android devices.

Mercury allows you to drag and drop, upload, or email your bills. Mercury automatically extracts the information, eliminating time-consuming data entry while reducing errors.

With Mercury Bill Pay, you can set payment controls, schedule bill payments, and select how your bill is paid (ACH, international or domestic wire transfer, or check). Recurring payments can also be set up.

From the platform, you can also view and categorize transactions, set up and manage employee cards, submit and approve expenses, and more. Mercury offers a free interactive demo that you can use to get hands-on with the platform before signing up.

Mercury integrates with Xero and QuickBooks on all plans. If you subscribe to Mercury Pro, you can also integrate with NetSuite. A Slack integration is also available that allows you to view balances and approve payments right within Slack. API is available for developers.

Mercury Bill Pay Features

Mercury offers a neat set of tools built into its platform that you won’t find with most other fintech companies or traditional banks.

Here’s a more in-depth view of the features available through Mercury.

Mercury Bill Pay Customer Service

Mercury offers a number of ways to get in touch.

If you subscribe to Mercury Pro or have balances of $10 million or more, you’ll have a dedicated relationship manager.

Mercury does offer a few additional resources for the help you need, including a company blog, YouTube videos, and profiles on X/Twitter, LinkedIn, and Instagram.

Customers seem pleased overall with the quality of support they receive from Mercury. However, there are a few complaints regarding slow responses.

Mercury Bill Pay Reviews

Mercury receives mostly positive reviews online, although there are some complaints. One thing worth noting is that most of the complaints are centered on banking services and don’t specifically address Mercury Bill Pay.

Mercury is not accredited by the BBB, but it holds an A+ rating. On Trustpilot, Mercury receives a score of 4 out of 5 stars (based on 1,500+ reviews).

Negative Mercury Bill Pay Reviews & Complaints

• Sudden account closures
• Issues with logging in
• Long transfer times

Positive Mercury Bill Pay Reviews

• Good customer support
• Easy to use
• No monthly fees
• Good features and automations

Is Mercury Bill Pay Secure?

Security measures are in place to protect your personal data and accounts. Some of the security features Mercury offers include:

• Multi-factor authentication
• Device verification and HIBP
• Dark web monitoring
• SOC 2 Type II compliance

Final Verdict: Is Mercury Bill Pay Worth It?

Overall, Mercury Bill Pay receives a score of 3.7 out of 5. While this may not seem promising on the surface, remember that Mercury is primarily known for its banking¹ services with accounting features like bill pay and invoicing mixed in. Combined, that makes for a pretty great product.

While you shouldn’t sign up for Mercury solely for Bill Pay, it’s a great option if you need business checking and savings accounts. When integrated with QuickBooks, Xero, or NetSuite, it’s an even more powerful tool for your business. With its IO business credit cards,² it’s also a great way to manage employee spending and simplify reimbursements — all while earning cash-back rewards.

If you’re looking for robust accounting software, we recommend looking elsewhere, starting with our list of the best accounting software for small businesses. However, if you want a platform that combines business banking, bill payments, and expense management, Mercury is worth a look.

Invoicing Software Review Methodology

We spend hours researching and evaluating invoicing software that we review at Merchant Maverick, placing special emphasis on key characteristics to generate our service provider ratings.

When rating invoicing software, we use a 35-point rubric that looks at pricing, ease of use, features, customer service, and user reviews. We weigh each section differently to calculate the total star rating. 

• Pricing: 30% of the total star rating
• Ease Of Use: 20% of the total star rating
• Features: 30% of the total star rating
• Customer Service: 15% of the total star rating
• User Reviews: 5% of the total star rating

Each section is further broken down into granular, weighted subsections, in which we look at specific attributes, like whether additional accounting features are available, the cost and quality of each pricing plan, the number of extra fees, and the availability of a free trial. 

Learn more about how we rate invoicing software.