Mercury
Built-in referral
Global
Mercury provides business banking (no monthly fees, no minimums), corporate cards, expense management, bill pay, and treasury services. Banking services run through Choice Financial Group and Column N.A. (FDIC-insured).
Mercury pays $250 deposited to your Mercury account when a referred business meets qualifying deposit and approval criteria, through a referral link that already sits inside the product, with no application. The referred customer gets $250 deposited to their Mercury account; expedited application review. Verified 22 Aug 2026 from Mercury's own published material.
No application — it is already in your account
View products
Paid when
Referred company is approved by Mercury, deposits at least $10,000 into their…
Payment delay
Up to 5 weeks after balance/spend criteria is satisfied; Mercury may pay earlier at its discretion, and delays can occur
Minimum payout
None stated; $250 is the minimum payout per referral
Click counts for
None explicitly stated (no cookie mechanism; attribution is by unique referral link used at signup)
Your commission
$250 deposited to your Mercury account when a referred business meets qualifying deposit and approval criteria
Paid as a deposit into your own Mercury account, not cash or transfer. Non-transferable, non-redeemable for cash. Can expire. Two-sided: both referrer and referee receive the bonus.
Customer incentive
$250 deposited to their Mercury account; expedited application review
Same $250 deposit bonus as the referrer. Plus, fast-tracked onboarding (no multi-day wait).
The terms that decide whether you get paid
Paid whenReferred company is approved by Mercury, deposits at least $10,000 into their account, and maintains that balance for at least one full calendar day (12:00 AM to 11:59 PM EST) during their first 90 days.
DurationOne-time bonus per referral (not recurring)
Attribution windowNone explicitly stated (no cookie mechanism; attribution is by unique referral link used at signup)
Payment delayUp to 5 weeks after balance/spend criteria is satisfied; Mercury may pay earlier at its discretion, and delays can occur
Payment scheduleLegal: up to 5 weeks after qualifying criteria are met. Typical (help center): the Monday after (or Tuesday if Monday is a holiday), posted within 1-3 business days.
Minimum payoutNone stated; $250 is the minimum payout per referral
Payout formDeposited into your own Mercury deposit account as a Mercury account balance (not bank transfer)
Self-referralBanned; also banned: referring an existing Mercury customer, or one whose account closed within 90 days, or within 3 years if it closed with a negative balance
Important
The $250 bonus is automatic and built into every account, but the referral link is contractually non-commercial only — any public promotion, audience-directed sharing, paid ads, or coupon-site placement 'requires prior written approval,' and Mercury reserves the right to reject referrals it deems 'primarily driven by promotional incentives,' so a content site monetizing this at scale needs separate Partner agreement whose payout Mercury does not publish.
The 'up to 5 weeks' legal ceiling vs. 'typically the Monday after' help-center messaging. Also: bonuses are deposited into your account as Mercury cash, not wired bank funds, and 'may auto-lock and will not be re-issued.'
What you would be selling
A $250 one-time bonus available only to existing Mercury customers referring within their personal network — not a scalable public affiliate program.
Mercury is one brand with 4 products, bought by different people. What one converted customer is worth cannot be worked out for any of them: that needs a rate, a plan price and a commission window, and this program does not publish all three.
Not published
Not every figure needed is published.
accounting
Business Banking
FDIC-insured (up to $5M via partner banks) checking and savings accounts for startups and businesses — no monthly fees or minimums, with up to 3.89% yield on idle cash through Mercury's Treasury option.
Bought by Startups and small businesses needing free banking
Mercury Plus
Not published
Not every figure needed is published.
business banking
Payment Processing
Bill-pay and money-movement layer built into Mercury banking — free domestic wires, ACH, and RTP transfers, AI-assisted bill capture, invoicing, and two-way sync with QuickBooks, Xero, and NetSuite.
Bought by Mercury customers paying vendors and invoicing
Mercury Plus
Not published
Not every figure needed is published.
developer api
Banking API
Full REST banking API (plus CLI and MCP server) exposing Mercury accounts, transactions, ACH/wire payments, statements, and webhooks — lets developers build custom finance tooling or embed Mercury banking into their own apps.
Bought by Developers embedding banking into their own apps
Not published
Not every figure needed is published.
business banking
Business Cards
Corporate charge/debit cards issued instantly on account opening — 1.5% unlimited cashback automatically deposited, virtual cards for specific vendors, and per-card spend controls with no personal guarantee required.
Bought by Startups issuing employee expense cards
Mercury Plus
Everything Mercury publishes about how the commission is earned and paid. A term shown as not researched is one Mercury does not publish, not one that does not apply.
How it pays
Route inBuilt-in: click your organization name → Referrals → copy link or invite via email. No application needed for the standard program.
DurationOne-time bonus per referral (not recurring)
Attribution windowNone explicitly stated (no cookie mechanism; attribution is by unique referral link used at signup)
Payment delayUp to 5 weeks after balance/spend criteria is satisfied; Mercury may pay earlier at its discretion, and delays can occur
Payment scheduleLegal: up to 5 weeks after qualifying criteria are met. Typical (help center): the Monday after (or Tuesday if Monday is a holiday), posted within 1-3 business days.
Minimum payoutNone stated; $250 is the minimum payout per referral
Payout formDeposited into your own Mercury deposit account as a Mercury account balance (not bank transfer)
Self-referralBanned; also banned: referring an existing Mercury customer, or one whose account closed within 90 days, or within 3 years if it closed with a negative balance
Must you be a customerYes — only existing Mercury account holders can refer
ClawbackMercury may net the bonus against transaction reversals, chargebacks, penalties, or amounts owed, and may cap, withhold, delay, or claw back referral payments for prohibited, illegal, abusive, or fraudulent activity, or reduce/cancel the bonus for a terms violation
Where it paysDeposited into the referrer's own Mercury Deposit Account (not a bank transfer or third-party payout)
ApprovalDiscretionary: Mercury sets eligibility criteria (may include balance/spend thresholds); the referred applicant must be approved for an account, stay in good standing through the eligibility period, and have an open, active account in good standing when the bonus is earned
Restrictions
·Must already be a Mercury customer to refer at all
·Public promotion/paid ads require prior written approval from Mercury
·No attribution window published, no cookie mechanism
·One-time bonus only, tied to strict deposit/hold criteria
Customer pricing
Mercury's core business banking is free; paid tiers add invoicing, API, and advisory services. Referral bonuses are not tied to any plan.
Mercury$0/mo
Mercury Plus$35/mo (or $29.90/mo annual)
Mercury Pro$299/mo annual
Additional earning tracks
Advisor/Partner trackSeparate Partner Agreement exists for accountants, advisors, VCs, and affiliate marketers. Payout amounts are individually negotiated (not published). Requires 'prior written approval' for any commercial/public promotion.
Verified
Read from Mercury's own published material on . Figures change without notice — quote this date alongside any figure.
Sources
Customer Referral Agreement ↗Referred Customer Agreement ↗Earning referral bonuses for Mercury business accounts ↗Partnership referrals ↗Pricing ↗
All major terms: Mercury Customer Referral Agreement, last updated February 11, 2026 (https://mercury.com/legal/referrals).
Referred-customer agreement: Mercury Referred Customer Agreement, last updated February 3, 2026 (https://mercury.com/legal/referred-customer-agreement).
Help-center timing and mechanics: checked Aug 18, 2026 via Mercury's Zendesk API (https://support.mercury.com/hc/en-us/articles/28772343724308-...).
Two-sided incentive verified: both Referral Agreement and Referred Customer Agreement confirm $250 each side.
Non-commercial restriction: verbatim from Referral Agreement §8: 'You must not publicly advertise...using your referral link...Referral links are intended solely for non-commercial use. Any commercial use...requires prior written approval.'
How this programme compares to its rivals was written on August 26, 2026, from the verified terms above.
Product descriptions rewritten on August 26, 2026.
Citing this page
Ancaster, “Mercury affiliate terms”. Verified 22 August 2026. https://ancaster.io/offers/mercury
How this was verified
Verified
Read from Mercury's own published material on . Figures change without notice — quote this date alongside any figure.
Who buys this
Tagged at product level, not brand level. Mercury's products sell to developers, founders & startups, small business owners.
Who else does this
Other advertisers with a product in the same category as Business Banking.
ExpensifyReceipt Scanning
Automated expense capture via mobile app, email, or file upload with AI categorization
$250read 15 Aug 2026
FreshBooksCloud Accounting and Invoicing
Invoicing with automatic reminders and online payment, on double-entry books aimed at service businesses rather than retailers.
read 22 Aug 2026
Lemon SqueezySubscriptions & Memberships
Recurring billing for membership sites and subscription-based services.
read 27 Sept 2026
LiliLili Business Banking
Free business checking account with a Visa debit card, invoicing, bill pay, automated bookkeeping categorization, and tax tools — built for freelancers and small businesses that want banking and basic accounting handled in one no-fee account.
$350read 22 Aug 2026
RampExpense Management
Automated expense tracking and policy enforcement
read 22 Aug 2026
SiteGroundProfessional Email Hosting
Business email hosting on a custom domain (e.g. name@yourbusiness.com) bundled into SiteGround's hosting plans, with webmail access and spam/virus filtering — sold as part of a hosting plan rather than as a standalone product.
read 22 Aug 2026
The re-verification note
We read Mercury's terms on 2026-08-22. Programs change a rate, a cookie window or a payment threshold without announcing it — we re-read them and send one note a week saying what moved.
One note a week, every figure dated and linked to its source. Unsubscribe in one click; we never sell or share the address.