Business banking · Asia-Pacific
Does Mercury work in New Zealand?
Mercury does not onboard businesses registered in New Zealand.
What a business in New Zealand can use
Mercury’s products, for a company incorporated in New Zealand.
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 New Zealand
Other providers that serve businesses registered there.
Multi-currency account
Business cards
Stablecoins
Yield on idle cash
Selling to New Zealand
How people there prefer to pay online.
- 1Visa / Mastercard
- 2Apple Pay
- 3Afterpay
- 4Bank transfer
Stablecoin rules in New Zealand
There is no framework, so the legal position is uncertain.
Common questions
Does Mercury work in New Zealand?
No. Mercury does not onboard businesses registered in New Zealand.
What are the alternatives to Mercury in New Zealand?
Providers that onboard businesses registered in New Zealand: Stripe, Adyen, PayPal, Airwallex, Wise Business, Payoneer and dLocal. With limits: Bridge, BVNK and Rain.
Mercury elsewhere in Asia-Pacific
Other providers in New Zealand