Reviewers split sharply on Mercury. Many praise the easy setup, clean interface, straightforward navigation, and useful tools such as virtual cards, integrations, wires, and cash-flow features; several say it works well day to day. But the strongest recurring complaints are about support and reliability: slow email-only help, low card limits, delayed funds, sudden compliance reviews, and account restrictions or closures with little warning or explanation. A few users report friendly service and smooth payments, yet others say those operational failures make Mercury hard to trust with core business finances.