Business banking · North America
Does Mercury work in United States?
Mercury onboards businesses registered in United States.
What a business in United States can use
Mercury’s products, for a company incorporated in United States.
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 United States
Other providers that serve businesses registered there.
Pay people abroad
Selling to United States
How people there prefer to pay online.
- 1Visa / Mastercard / Amex
- 2Apple Pay / Google Pay
- 3PayPal / Venmo
- 4ACH Direct Debit
- 5Cash App Pay
Stablecoin rules in United States
A licensing regime for stablecoins is in force.
Common questions
Does Mercury work in United States?
Yes. Mercury onboards businesses registered in United States.
Which Mercury products can a business in United States use?
accept payments, pay people abroad, multi-currency account, business cards and yield on idle cash.
What are the alternatives to Mercury in United States?
Providers that onboard businesses registered in United States: Stripe, Adyen, Checkout.com, PayPal, Worldpay, Airwallex, Wise Business, Payoneer and 5 more. With limits: Rain.
Mercury elsewhere in North America
Other providers in United States