Overview of Mercury Affiliate Program

Mercury offers a comprehensive affiliate program tailored for partners looking to promote its modern banking solutions designed specifically for startups and small businesses. Mercury, known for its no-fee business banking accounts and streamlined user experience, provides affiliates with competitive incentives to refer new customers to their platform. The affiliate program is managed internally, ensuring direct communication and transparent commission payments.

Commission Structure

• Commission Type and Rates: Mercury awards affiliates with a flat referral bonus for each qualified new account opened through their referral links. The commission is a fixed sum rather than a percentage of the referred user’s account activity. Based on the latest official data, affiliates earn a commission per successfully funded business account opened by a referred user.
• Payment Frequency: Commissions are paid as a one-time reward per qualifying referral. There is no recurring or residual commission tied to the referred customer’s ongoing activity or balance.
• Sub-Affiliate Program: Mercury does not currently support sub-affiliate tracking or pay commissions on sub-affiliate referrals.
• Cookie Duration: The tracking cookie duration is 30 days from the initial referral click, allowing captures of referrals who sign up within this timeframe.
• Affiliate Program Management: Mercury Affiliate Program is managed internally via their own affiliate portal (https://mercury.net/referrals.php), without reliance on external affiliate networks. This enables direct control over terms and payments.

Mercury Promotion Policy

✅ Permitted Promotional Channels

• Affiliate websites and blogs focused on fintech, startup resources, and small business banking
• Email marketing campaigns with compliance to Mercury’s affiliate terms
• Social media platforms such as Twitter, LinkedIn, and Facebook, provided that promotional content follows Mercury’s guidelines
• Webinars, podcasts, and YouTube video channels offering relevant educational content about business banking and financial products

❌ Prohibited Promotional Channels

• Paid search campaigns using Mercury’s brand terms or trademarks unless explicitly approved
• Spam emailing or unsolicited direct messaging violating applicable laws or Mercury’s affiliate policies
• Incentivized or misleading promotions that could cause consumer confusion
• Promotion through adult content, gambling, or other non-compliant niches

Commission Payment

• Approval Timeframe: Commissions become payable after the referred account is successfully opened and funded, and after a review period of approximately 45 days to ensure no chargebacks or account cancellations.
• Minimum Payout Threshold: Typically, Mercury requires a minimum balance of $50 in accrued commissions before payments are processed to the affiliate.
• Payment Frequency: Commissions are paid out on a monthly basis, usually within the first two weeks of the following month.
• Payment Methods: Mercury processes payments via PayPal. Affiliates must provide valid PayPal account details for receiving commissions.

In summary, the Mercury Affiliate Program provides an attractive opportunity to monetize referrals for business banking accounts targeted at startups and small businesses. With straightforward one-time commissions, a 30-day tracking window, and internal program management, affiliates benefit from simplicity and competitive earnings potential. Clear promotion policies ensure compliance and brand consistency, fostering a trustworthy partnership environment.