Instant Pay

Instant Pay is the fastest way to get paid when you need that extra cash. You can use Instant Pay for up to $600 per month, once per day on eligible debit cards. There is a $3 flat fee per cash-out. In some cases, depending on your bank’s processing time, it can take up to 30 minutes to see the balance in your bank account.

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.

Note: Instant Pay is only available in the latest version of the Mercari app.
For troubleshooting tips on Instant Pay, read more.

Direct Deposit

Direct deposit transfer requests deposit your Mercari balance into your ACH account. These requests are usually processed on the following business day.

Once a transfer request is processed, it can take up to 5 business days for the funds to appear in your bank statement.

Keep in mind that each Mercari account can only use one bank account. So if you’ve got a joint bank account, only one of the account owners can use it on Mercari. We do this to prevent fraudulent activity.

How to request a direct deposit

Please note that direct deposits can only be made to checking accounts.

Making changes to a direct deposit request

To make changes to a direct deposit request, you’ll first have to cancel it. Once it’s been cancelled, you can make changes here:

Settings > Balance > “Transfer”

Then enter your name as it appears on the account, including the routing and checking account numbers.

Cancelling a direct deposit request

If you’d like to cancel a direct deposit request, you’ve got until 11:59 PM (PT) the day of your request to cancel it.

Here’s how you can cancel it:

If the Cancel option isn’t available for you to tap, then the request has already been processed.

When this happens, the receiving bank will reject the funds within 10 business days if the account and routing numbers are invalid.

Note: If the funds are returned to your Mercari balance, a $2 non-refundable processing fee will be deducted.