Mercury credit card customer service phone number — complete practical guide

Overview and official contact channels

Mercury (mercury.com) is a U.S.-based fintech banking platform founded in 2017 and widely used by startups and small businesses for deposit accounts and card controls. Unlike legacy banks that publish broad call-center numbers, Mercury’s public support strategy is built around secure in-dashboard support, email, and an online help center at https://mercury.com/help. That design reduces exposure to social-engineering attacks and routes sensitive issues (lost/stolen cards, disputes, wiring problems) through authenticated channels tied to your login session.

Because many customers search for a single “customer service phone number,” it’s important to know upfront: Mercury does not operate a published, general-purpose 24/7 phone hotline for routine card issues in the way large consumer banks do. If a phone call is necessary, support will either schedule a verified call from an official Mercury number or provide a secure escalation path after validating account ownership via the app or email. Always start with the secure in-app chat or the official help pages on mercury.com.

Where to start: in-app chat, help center and secure email

Log in to your Mercury account and open the “Support” or “Help” interface (often shown as a chat bubble or “Contact” link). That session is cryptographically tied to your account and lets agents confirm identity without asking for full card numbers, CVVs, or OTPs. The help center contains step-by-step instructions for card controls, wire transfers, ACH, and account statements; use the in-app channel for time-sensitive actions such as locking a card.

If you do not have app access, visit https://mercury.com and use the publicly listed “Contact” or “Help” pages. Any phone contact should be initiated by Mercury support after they have authenticated you; if an unsolicited number is presented in email or social media, treat it as suspicious and verify via the logged-in help center.

Immediate steps for a lost, stolen, or compromised card

If you suspect a Mercury card (debit or business card) is lost or compromised, act quickly to limit exposure. First, log into your account and use the card controls to lock/disable the card immediately. Next, open an in-app chat and report the incident so the support team can mark the account for fraud monitoring and, if necessary, cancel the card and order a replacement.

Replacement cards for fintechs are typically shipped within 5–7 business days for standard mail; expedited shipping (1–2 business days) may be available at a fee depending on issuer policies. Do not post your card information on social media; only transmit last 4 digits, transaction date, merchant name, and approximate amount when reporting so support can locate the transaction without exposing full numbers.

• Immediate action checklist: 1) Log in to Mercury dashboard; 2) Lock or freeze the card; 3) Start an in-app support chat and report “Lost/Stolen”; 4) Review recent transactions and flag unauthorized items; 5) Confirm replacement shipping method and expected arrival (typically 5–7 days standard).
• What Mercury support will ask for: last 4 digits of the card, the merchant and transaction date/time, billing address on file, and a method to confirm identity (e.g., recently viewed statement amounts). They will not ask for your full card number or CVV in chat.

How to file a dispute and what to expect (timelines and documentation)

If you need to dispute a charge, use the in-app dispute workflow or the help center guidance. For U.S. credit-card billing errors, the Fair Credit Billing Act (FCBA) generally gives cardholders 60 days from the date the statement containing the error was mailed to file a claim; Mercury’s dispute process will reference similar timelines for card products. For debit-card unauthorized transfers, Regulation E timelines (notify within 2 business days to limit liability to $50) apply—report suspicious debit activity promptly.

Typical issuer timelines you can expect: initial acknowledgement of a dispute within 10 business days; provisional credit or investigation updates within 10–30 days; final resolution within 45–90 days depending on document requirements. Mercury will request supporting documentation (transaction receipts, merchant correspondence, written statements) via the secure message thread or an encrypted file upload link in your account.

• Essential information to include in any dispute: card last 4 digits, transaction date, transaction amount, merchant name as it appears on statement, reason for dispute (unauthorized, duplicate, not as described), and supporting attachments (receipts, order confirmations, email threads). Including clear timestamps and the transaction reference number speeds resolution.
• Expected dispute schedule (typical): 1) Acknowledge within ~10 business days; 2) Investigate and provisionally credit within 10–30 days if documentation supports it; 3) Final resolution within 45–90 days unless extended by regulatory conditions.

Verifying official communications and avoiding fraud

To avoid phishing, only trust messages and links shown within your authenticated Mercury dashboard or on https://mercury.com. Official emails will come from the company domain (verify sender address carefully) and will never ask you to provide your full card number, CVV, or one-time passwords. If a phone number is provided, verify it by initiating contact through your logged-in help session and ask support to confirm the number before calling back.

Record the support case ID from every interaction, the agent’s name, and timestamps. If you receive a suspicious SMS, email, or phone request, do not respond—report it through the in-app support so Mercury’s security team can investigate. When in doubt, use your account’s secure message thread to confirm any telephone-based instructions.

Escalation, legal notices, and where to find official addresses

For escalations beyond standard support, request to open an “escalation” or “investigation” in your help thread; Mercury will provide next-step timelines and a case number. For legal, collections, or formal written notices, use the addresses and instructions listed on the Contact or Legal pages of the official website—this ensures documents land with the correct department. Always reference your account number (last 4 digits) and the support case ID when sending formal correspondence.

If you need fastest action for an urgent security incident, the secure in-app channel and the help center at https://mercury.com/help are the correct starting points. Avoid searching for third-party “phone number lists”; third-party sites often publish stale or fraudulent contact details. If a phone call is required, Mercury support will arrange a verified callback from an official number after completing authentication in your secure session.

Which bank is Mercury card?

First Bank & Trust
The Mercury credit cards are issued by First Bank & Trust and managed by Mercury Financial, a technology company that aims to help its customers build credit. Mercury Financial has a couple of cards to choose from, including: The Mercury® Rewards Visa® card. The Mercury® Rewards Visa Signature® Card.

How do I contact Mercury customer service?

Contact Us

1. (632) 8911 5071.
2. (632) 8911 6673.
3. [email protected].
4. www.mercurydrug.com.
5. mercurydrugph.

How often does a Mercury credit card increase the limit?

Limits are reevaluated monthly, but may be evaluated more frequently if there’s a significant drop in your Mercury balance. This means that your limit will naturally increase as your business grows. If you need a more urgent credit limit increase, email [email protected] and we’d be happy to take a look.

Does Mercury have customer service?

Customer service
For all other questions, message us or call (800) 503-3724.

How do I contact Mercury card services?

1-866-686-2158
Call Mercury Financial at the number on the back of your card: US: 1-866-686-2158.

How do I pay my Mercury credit card bill?

Online: Log in to your online account and click on “Make a Payment.” By phone: Call (844) 303-5355 and enter your card information when prompted, then follow the prompts to make a credit card payment. Through the mobile app: Log in to your account and select your card, then tap “Payments.”