Business banking · Asia-Pacific
Does Mercury work in China?
Mercury does not onboard businesses registered in China.
What a business in China can use
Mercury’s products, for a company incorporated in China.
Invoices your customers pay by card or ACH debit, also available through the API.
Domestic ACH and wires, international wires, and API payments to saved recipients.
US dollar checking and savings with FDIC insurance through partner banks, plus Treasury for idle cash.
Debit cards and the IO corporate credit card with spend controls.
Mercury does not offer this.
Mercury Treasury invests idle cash in government money market funds and, since August 2026, an ultra-short bond fund. It is not FDIC insured, may lose value, and carries a 0.15–0.60% fee.
Requires a US-registered company. Founders outside the US often qualify through a Delaware company. Deposits sit with partner banks; Mercury has conditional approval for its own national bank charter.
Onboarding confidence: high. Source: Mercury API products overview. Everything about Mercury
Alternatives in China
Other providers that serve businesses registered there.
Accept payments
Pay people abroad
Multi-currency account
Business cards
Stablecoins
Yield on idle cash
Selling to China
How people there prefer to pay online.
- 1Alipay
- 2WeChat Pay
- 3UnionPay
Stablecoin rules in China
Using stablecoins to pay is banned or tightly restricted.
Common questions
Does Mercury work in China?
No. Mercury does not onboard businesses registered in China.
What are the alternatives to Mercury in China?
Providers that onboard businesses registered in China: PayPal, Airwallex, Payoneer and dLocal. With limits: Bridge, BVNK and Rain.
Mercury elsewhere in Asia-Pacific