Does Mercury Have Automatic Invoice Reminders?

Published on February 28, 2026·4 min read

Mercury is arguably the most popular banking platform for modern startups. Between its sleek UI, seamless API integrations, and robust treasury features, it handles almost everything a growing company needs. But when it comes to Accounts Receivable (AR), one question repeatedly comes up: Does Mercury have automatic invoice reminders?

The Short Answer

No. While Mercury enables startups to generate and send professional invoices to clients directly from the platform, it does not currently support automated email follow-ups for late payments.

What Mercury Can Do for AR and AP

Before looking at solutions, it's worth understanding what Mercury's native tools excel at:

AP Automation: Mercury's bill pay feature allows startups to schedule and automate payments to vendors and service providers. You can categorize and track expenses directly within the platform.
Invoicing Basics: Mercury enables you to generate and send simple, professional invoices to clients, complete with direct payment links (via ACH or Wire).
Tracking: The platform offers basic tools to track which invoices are outstanding and which have been paid, helping maintain a high-level view of cash flow.

The Missing Piece: Automated Follow-ups

The biggest bottleneck in any startup's cash flow isn't sending the invoice—it's chasing it down. When an invoice goes 5, 15, or 30 days overdue, relying on a human to manually check the Mercury dashboard and draft a polite "Just checking in" email is a massive waste of time. It also introduces human error, leading to late payments and squeezed cash flow.

Because Mercury lacks automatic invoice reminders, teams often resort to manual calendar events, sticky notes, or paying hundreds of dollars a month for heavy, legacy ERP software just to get automated emails.

The Solution: Use a Lightweight Tracker

Instead of migrating away from Mercury or doing manual follow-ups, you can pair Mercury with a lightweight, smart tracking engine like remindinvoice.com (FlowState Invoice Engine).

AI Extraction: Just drag and drop the PDF invoice you generated in Mercury. The AI extracts the amount, due date, contact email, and company instantly.
Set It and Forget It: Once tracked, the engine automatically sends out polite, professional email reminders via a reliable cron job the moment the invoice becomes overdue.
Keep Mercury for Banking: Let Mercury handle the actual money movement, while our engine acts as your automated Accounts Receivable clerk.

Start Tracking Invoices for Free

Conclusion

Mercury is a fantastic banking platform, and its invoicing features are a great start for early-stage companies. However, if you want to seriously improve your Days Sales Outstanding (DSO) and ensure you get paid on time without the manual mental overhead, you need automated reminders.