> For the complete documentation index, see [llms.txt](https://help.basiq-solutions.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.basiq-solutions.com/guide/guides/banks/mercury.md).

# Mercury Guide

The US LLC bank — account and routing numbers for Stripe and Shopify Payments, incoming payment times, paying suppliers at home and abroad, cards.

{% hint style="info" %}
**What Mercury is for you.** The bank account of your US LLC: Stripe and Shopify Payments pay out to it by ACH, you pay suppliers in the US and abroad from it, and its cards pay for subscriptions.
{% endhint %}

## Before you start

* **Proxy.** One [OctoBrowser](https://octobrowser.org/signup/?p=10266582) profile for Mercury, residential proxy in the **United States** ([IPRoyal](https://iproyal.com/?r=basiq_setup)). Never from a regular browser, never through the proxy of another service.
* **Your details.** If the LLC is in a nominee name, move the login email and phone to yours right after delivery ([section 5](#5-your-details-and-security)). Save the backup codes from the delivery message first.
* **Partner banks.** Mercury is not a bank itself: your account sits at a partner bank (Choice Financial Group or Column N.A.). That bank's name appears on your account details — it is correct, give it to the platform as shown.

## 1. Account and routing numbers

Stripe and Shopify Payments pay out by ACH to your **routing number + account number**. Both are on page 1 of the Wire Details PDF.

{% stepper %}
{% step %}

#### Accounts → the receiving account → Documents → Wire Details

Confirm the account and **Download** the PDF. Page 1: domestic wires, ACH and real-time payments — this is what Stripe and Shopify need. Page 2: international wires (for payers outside the US).
{% endstep %}

{% step %}

#### Or: Move Money → Deposit → View More Details

Shows the same details on screen; copy them, download the PDF or **Share** them by email.
{% endstep %}

{% step %}

#### Paste them into the platform

Shopify Payments: Settings → Payments → Shopify Payments → Manage → bank account (routing + account number, account holder = the LLC's legal name). Stripe: Settings → Bank accounts and currencies.
{% endstep %}
{% endstepper %}

| Money coming in                                           | How long it takes                                                                                          |
| --------------------------------------------------------- | ---------------------------------------------------------------------------------------------------------- |
| Domestic wire                                             | 0–1 business day                                                                                           |
| ACH (Stripe, Shopify Payments, a linked external account) | ACH pulls from a linked account take 3–5 business days; platform payouts arrive on the platform's schedule |
| International wire                                        | 1–4 business days                                                                                          |
| Check deposit (mobile app)                                | 1–5 business days                                                                                          |
| Payment request sent to a payer                           | Depends on how the payer pays                                                                              |

Only users with full *Move Money* permissions see every deposit option.

## 2. Payment verification

Mercury can ask about a transaction, the business or its owners at any time — contact your manager before answering. Never send company documents on your own.

## 3. Pay your supplier

### In the US (ACH, check or wire)

{% stepper %}
{% step %}

#### Move Money → Send (or Payments → Send Money)

Pick an existing recipient, **Create recipient** with the bank details from the invoice, or **Invite recipient** so the supplier enters their own details.
{% endstep %}

{% step %}

#### Payment method → ACH, check or wire

Choose it in the Recipients section. ACH is the default for US suppliers.
{% endstep %}

{% step %}

#### Amount, paying account, send date → Details → Send Payment

Add a memo or attach the invoice; add an email to receive a receipt. **Schedule Payment** if the date is in the future; you can make it recurring.
{% endstep %}
{% endstepper %}

### Abroad (international wire)

{% stepper %}
{% step %}

#### Move Money → Send → recipient → International Wire → currency

USD or one of 40+ local currencies, to 200+ countries.
{% endstep %}

{% step %}

#### Enter the SWIFT code first, then the rest

The form changes with the recipient's country; add the IBAN when asked. Add an intermediary bank only if the supplier instructs you to. A mistake here gets the wire rejected and returned days later.
{% endstep %}

{% step %}

#### Amount and fee structure

**SHA**: intermediary fees are deducted from what the supplier receives. **OUR**: you pay them and the supplier gets the full amount.
{% endstep %}

{% step %}

#### Purpose, documents, review

Describe what the payment is for; for some countries Mercury asks for an invoice or contract and whether you will pay this recipient again. Wires process in 1–3 days and can take up to 5 working days to arrive.
{% endstep %}
{% endstepper %}

{% hint style="warning" %}
International wires are available only to companies with a US legal address, and not to or from blocked countries (Russia, Iran, North Korea, Syria, Venezuela, Cuba and others). Payments from the LLC are the final step of the profit chain — route the nominee companies' money through it only in the structure agreed with your manager.
{% endhint %}

## 4. Cards

{% stepper %}
{% step %}

#### Cards → the card → reveal the details

Click the masked digits to reveal the number, click again to copy; the billing address is right under the card limit. In the app: Cards tab → the card → View Details → copy.
{% endstep %}

{% step %}

#### Only the cardholder sees the card

If you cannot reveal a card, it was issued to another user. Ask your manager who the card is issued to in a nominee setup.
{% endstep %}
{% endstepper %}

## 5. Your details and security

| What                    | Where in Mercury                                                                                  |
| ----------------------- | ------------------------------------------------------------------------------------------------- |
| Backup codes for 2FA    | Settings → Security → backup codes. Save them with the ones from your delivery message            |
| Login email             | Settings → update your email address (verified through the new inbox)                             |
| Owners and team members | Settings → Team → add or remove owners / users. Add your own user, do not share the nominee login |
| Security keys           | Settings → Security → add a security key (optional, strongest 2FA)                                |

## 6. If something goes wrong

| Situation                                        | What to do                                                                                                                   |
| ------------------------------------------------ | ---------------------------------------------------------------------------------------------------------------------------- |
| Login blocked or extra verification at login     | Wrong proxy or a new device. Open Mercury only from its own OctoBrowser profile with the US residential proxy                |
| Shopify or Stripe cannot verify the bank account | Check the routing number is the ACH one from page 1 of the Wire Details and the account holder is the LLC's exact legal name |
| Mercury asks about a transaction or the business | Contact your manager before answering                                                                                        |
| A wire was returned                              | Usually a wrong SWIFT or IBAN. Re-check the invoice details and send again; ask your manager if it is returned twice         |


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