Mercari offers payout to your checking account by ACH Direct Deposit. Or you can get paid in minutes with Instant Pay.
Here's how you can request a payout.
We'll keep you posted as other payout options become available.
Haven’t received the Instant Pay cash-out you’re expecting? Here are the most likely reasons:
- Your bank declined the debit card enrollment
This can happen for various issues. Please contact your bank to resolve any potential issues before you try again.
Since the Instant Pay request wasn’t successful, you weren’t charged and your cash-out request wasn’t deducted from your balance. - Your bank declined the deposit.
Since the Instant Pay request wasn’t successful, you weren’t charged and your cash-out request wasn’t deducted from your balance. Please contact your bank before you try again. - Your bank returned the deposit.
There are a few common reasons why deposits are returned by financial institutions:- The account has been closed by the bank
- Questionable or missing signature
- Insufficient funds
- Frozen account
- You entered the wrong bank account.
If Instant Pay is requested using the wrong account, we cannot reverse the transaction. - We were unable to complete government ID verification.
If you are having trouble with government ID verification to enroll in Instant Pay cash-outs, you are still able to request a direct deposit to your bank account while your information is under review. For help resolving government ID verification issues please visit this article. - Name and address on your card don’t match your account.
You won’t be able to request an Instant Pay cash-out if there is a mismatch between the name and address on the card used to request the cash-out and your account.
If you are having trouble completing Instant Pay because of a mismatched address, we recommend trying a different debit.
Note: Government ID verification is only required for Instant Pay cash-outs. It's not needed to request a direct deposit.
Completed a sale?
Once you have saved up a balance from previous sales, you can request a cash out. Whether you choose Instant Pay or a direct deposit, getting paid on Mercari is fast and easy.
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
Tap Settings > Balance > “Transfer my balance”
Enter your name as it appears on the account, including the routing and checking account numbers.
Confirm the amount you want to transfer then tap “Confirm.” When the direct deposit is processed, we’ll send you an email confirmation.
Please note that direct deposits can only be made to checking accounts.
Routing numbers are 9-digit identification numbers located on your checks. The routing number’s location on your check may vary. If you’re having trouble finding it, your bank can help.
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:
Go to your profile, then tap Settings > Balance > Deposit History
Tap the deposit you want to cancel and tap Cancel
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.
Instant Pay
Instead of waiting for days for your balance to show up in your bank, Instant Pay cashes you out in 30 minutes tops.
You can use Instant Pay to receive up to $500 a month, making one request per day. All that’s required is a $2 fee per request.
You’ll need to verify your government ID and add a debit card to your account to cash out with Instant Pay.
How to request Instant Pay
In the app, tap Settings > Balance > “Transfer” > Instant Pay
Make sure you’re verified. To get set up, you’ll need to verify your government ID and add a debit card. We currently accept Visa and Mastercard debit cards for Instant Pay.
Enter the amount you want to transfer and tap “Confirm.”
Because your balance is transferred immediately with Instant Pay, you can’t make any changes or cancel a request. Instant Pay is currently only available in App.