Mercury credit card phone number customer service — expert guide

Quick answer: phone number availability and what to expect

If your question is “What is Mercury’s credit card customer service phone number?” the short, practical answer is: Mercury does not publish a general, 24/7 customer‑service hotline for its business banking or card products. Mercury is a digital-first fintech (founded in 2017 by Immad Akhund and Max Tagher) that routes all account and card support through secure in‑app messaging, Help Center articles, and ticketed email/contact forms on its site (https://mercury.com).

That design is deliberate: support through secure messaging lets Mercury verify account ownership, attach transcripts to tickets, and escalate to partner banks or card networks without repeated identity re‑verification over the phone. If you need voice contact (for example, to speak with an issuing bank for a legal process), follow the escalation steps below — Mercury’s support channels are the correct first call because they control your account and can open the necessary downstream cases.

Where to start: the exact channels Mercury uses

The single most effective way to reach Mercury customer service for card issues is the in‑app chat or the Help/Support section on mercury.com. Log in, open the conversation window, and attach screenshots or PDFs. That creates a timestamped support ticket tied to your secure session; most fintechs (including Mercury) prioritize tickets that include transaction IDs, screenshots, and signed authorization if needed.

If you prefer self‑service first, use Mercury’s online Knowledge Base (the Help Center linked from mercury.com). The Help Center contains step‑by‑step instructions for freezing a card, requesting a replacement, initiating a dispute, and submitting verification documents. For legal, compliance, or forensic banking requests — subpoenas, levies, etc. — Mercury will provide a designated escalation path through the Help Center to work with their issuing/partner bank and legal team.

Practical checklist — what to have ready before you contact support

• Account identification: legal business name, EIN (or SSN for sole proprietors), and the full email used to open the account.
• Card details: last four digits of the card, BIN (first 6 digits if visible), card expiration, date the card was issued (if known).
• Transaction specifics: merchant name, transaction date/time (include timezone), amount, and a screenshot or PDF of the transaction or merchant receipt.
• Fraud evidence (if applicable): screenshots of unauthorized logins, police report number (if filed), and any merchant correspondence about refunds or returns.
• Legal/official requests: full copy of the subpoena/levy and contact details for the issuing attorney or agency so Mercury can coordinate directly.

Lost card, stolen card, and immediate actions

If your Mercury card is lost or stolen, the fastest action is to lock or freeze the card in the Mercury dashboard (this is immediate and reversible). Freezing prevents new authorizations while allowing recurring charges to continue depending on the platform’s settings. After freezing, open an in‑app chat and state clearly: “Freeze completed on [MM/DD/YYYY HH:MM], request replacement, suspected fraud: yes/no.”

For confirmed fraud, request that the support agent open a formal fraud claim and request card reissuance. Typical practical timelines you should expect: freeze is instantaneous; Mercury or its partner bank will acknowledge the opened ticket within a business‑day window; physical replacement cards commonly ship within 5–10 business days unless expedited shipping is available (expedited options vary by issuer and may carry fees). Keep all merchant receipts and any police report reference; disputes require documentation and are adjudicated per card‑network rules.

Disputes, chargebacks and escalation — timeline and resources

When you dispute a card charge, Mercury will open an investigation and work with the card network (Visa/Mastercard/Discover) and the merchant’s acquirer. Timeframes vary: initial investigations typically take 7–10 business days for preliminary responses; full chargeback resolution can take 30–120 days depending on complexity and the card network’s rules. Expect interim communications asking for additional documentation.

If you need to escalate beyond Mercury’s support (for example, if a dispute appears stalled), documented escalation options include contacting the card network through instructions Mercury provides, filing a complaint with federal regulators, or engaging a collections/dispute attorney for amounts above your risk tolerance. Regulatory resources and fallback contacts include the Consumer Financial Protection Bureau (https://www.consumerfinance.gov) and your state’s banking regulator; use those channels only after you have a ticket number and timeline from Mercury so you can cite case IDs in official complaints.

Escalation resources (use these only after opening an official ticket)

• Mercury Help Center — start a chat and attach files: https://mercury.com (log in and use support links).
• Card network dispute pages — Visa and Mastercard publish timeframes and evidence requirements for chargebacks (search “Visa chargeback process” or “Mastercard dispute resolution”).
• Regulatory complaint — Consumer Financial Protection Bureau (consumerfinance.gov) accepts complaints about account servicing and dispute handling; include your Mercury ticket ID and timelines.

How do I check my Mercury credit card balance?

Your Mercury balance
When you first log in to Mercury on the web or in the mobile app, you’ll see an amount called your “Mercury balance”.

Is Mercury Mastercard a good credit card?

The Mercury Credit Card is legit because it is issued by First Bank & Trust, an FDIC member that has an “A+” rating with the Better Business Bureau.

How do I contact my Mercury credit card?

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?

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.”

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.

How do I contact Mercury customer service?

You can still reach us via email at [email protected] or by scrolling to the bottom of this article and clicking Contact Us.