Mercury
Money movement at scale
Payments, commission disbursement, and reconciliation for industries where 'we'll just eat the $400 discrepancy' isn't a thing. Double-entry ledger, idempotent batches, and ACH + Fedwire primitives — built so month-end stops being a three-week event.
Request a Demo →Double-entry ledger
Debit/credit on every write. The accounting equation balances on every read.
Idempotent batch processing
Retry any batch safely. Same inputs always produce the same outputs.
NACHA + Fedwire primitives
ACH and wire protocols modeled correctly, not glued on with a wrapper.
Deterministic rule engine
Commission splits, clawbacks, and deductions computed reproducibly.
The shape of it
Ledger on the left. Reconciliation on the right. Exceptions get surfaced.
What it does
Pay people. Balance books. Go home on time.
Disbursement
ACH, wire, push-to-card, stablecoin rails. Per-agent preferences. Automatic retries on transient failure. Statement receipts generated per payout.
Reconciliation
Three-way match between source system, bank settlement, and ledger. Discrepancies surface in real time, not at month-end.
Period management
Open, close, reopen, recalculate — with full audit trail. Closed periods stay closed until explicitly reopened. Reopens are tracked and approved.
Tax handling
1099-NEC generation, state withholding, international W-8BEN flows. Year-end is a button click, not a migration.
Clawbacks
Policy rescinds, charge-offs, commission recovery — modeled as compensating entries, not destructive edits. Agents can always reconstruct the math.
Analytics
Cohort payouts, trend-over-time, per-carrier economics. The dashboard your CFO stops asking you to export.
Where Mercury sits
Drop in between your source data and your bank.
Ingest
Carrier feeds, policy systems, commissions engines. Mercury normalizes every input into a single payout ledger.
Compute
(deterministically)
Splits, overrides, deductions, clawbacks. Run and re-run the same period — same inputs produce same outputs. Always.
Disburse
Bank, card network, or wallet. Mercury handles the protocol details. You just approve the batch.
Under the hood
Financial-grade by design.
Every transaction is idempotent. Every batch is atomic. Every write is double-logged to an immutable audit trail. The accounting equation balances on every read.
PCI-DSS aligned for card flows. NACHA-compliant for ACH. State money transmitter support where you need it.
Talk to a
Mercury engineer.
Tell us your payout shape and we'll schedule a technical working session on the reconciliation model.
Request Qualification →