How to request a direct deposit or Instant Pay

Want to cash-out your balance? Here’s where you can request a transfer from Settings > Balance > “Transfer”.

You can get paid in minutes with Instant Pay, or wait a few extra days with a direct deposit. Please note that direct deposits can only be made to checking accounts. It typically takes 5 days for a direct deposit to show up in your statement.

  • Instant Pay
    Direct Deposit
  • Get paid within minutes
    Get paid within 2 to 5 business days
  • Deposit your balance to your debit card
    Deposit your balance to your checking account
  • $3 fee for cash-out
    $2 fee for cash-out
  • Cash out up to $600 per month
    $0 fee for direct deposit reject
  • How to set up Instant Pay

    1. Verify your government ID
      Tap to upload your ID along with a photo of yourself. Your ID will be checked against the photo you uploaded. On average, this process will be completed in minutes, but it can take up to 48 hours. If you have already verified your government ID, you can go straight to step 2.
    2. Add a debit card
      Once you’ve verified your government ID, you will need to enter your debit card information in My Balance. Currently, only Visa and Mastercard debit cards are eligible for Instant Pay. If your card isn’t eligible or your bank doesn’t approve your request to set-up Instant Pay, you can try another verified card or direct deposit.

    Once you’ve successfully submitted your request for Instant Pay, you’re all done! Your funds will be available to you in minutes.

    You can use Instant Pay for up to $600 per month, once per day. All that’s required is a $3 fee. It can take up to 30 minutes to see the balance in your bank account depending on your bank’s processing time.

    Note: Instant Pay is only available in the latest version of the Mercari app.

    How to request a direct deposit

    You can request a direct deposit on your Balance page.

    Mercari charges a fee of $2 for every ACH direct deposit that is successfully processed. Depending on your bank, it may take up to five (5) business days to receive the funds after we issue payment. It is your responsibility to provide the right routing and checking account number. If your cash-out request is rejected by your bank, the funds will be returned to your Mercari balance. This may take up to 5-10 days from the process date.

    Note: Direct deposits are processed Monday through Friday, except on banking holidays or Company holidays.

    A non-refundable processing fee of $2 will be applied to all direct deposit requests.

    Note: We can’t assume responsibility for user error. If you input the wrong information, we may not be able to recover your funds.

    What’s a routing number (ACH)?

    The routing number is a 9-digit identification number located on your checks. It’s also called “check routing number,” “ACH number,” or “routing transit number (RTN).”

    The exact location of the ACH number on the check can vary. If you’re having trouble finding the ACH number or don’t have a checkbook, contact your bank. You can also view your bank account and routing numbers by accessing your bank statements online.

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