Mercury ACH

$39.00

Select Billing Option

1 Year

2 Years

Stop Donating to Your Payment Processor

Accept ACH bank transfers directly into your Mercury business account. Your card processor has a beach house. You paid for it. Time to stop.

ACH Payments. Your Bank. Your Rules.

Everything your Joomla ecommerce store needs to accept bank-to-bank payments — automatically reconciled, automatically confirmed.

ACH Bank-to-Bank Payments

Your customers pay direct from their bank account into yours. No card network. No card rates. The kind of transaction your accountant actually likes.

Mercury-Hosted Invoice Pay Page

Paid Mercury plan? The plugin creates an itemized invoice and sends your customer to Mercury's own branded pay page. Clean. Secure. Your order confirms the moment Mercury shows Paid.

Free-Plan Reconcile Mode

On Mercury's free plan? Show account and routing details at checkout. The plugin matches incoming transfers automatically — amount plus order reference in the memo. Order confirmed. No manual checking.

Auto Mode — It Figures Itself Out

Set mode to Auto. The plugin detects whether your Mercury account has hosted invoicing available and routes the right flow. One config. Zero babysitting.

Automatic Order Confirmation

Cron polling checks pending orders against your live Mercury account. Transfer cleared and matched? Order status flips automatically. Confirmation email fires. You're not a bank teller.

Webhook-Accelerated Confirmation

Mercury signals a new transaction and the plugin sweeps pending orders immediately — no waiting for the next scheduled run. Orders confirm faster. Customers wait less.

One-Click Admin Confirmation

Transfer arrived with a weird reference? Customer called to say it's on the way? The order sidebar has a confirmation panel — paste the transaction ID, click Confirm. That's it.

Live Account Picker in Settings

Your Mercury accounts load right in the plugin configuration. Pick the account you want payments landing in. No UUID copy-pasting from a dashboard you barely log into.

Surcharges, Geo-Zones & Order Limits

Add a named transfer fee (percentage + fixed). Restrict the payment option by region. Set minimum and maximum order amounts. Only show ACH to the customers and orders where it makes sense.

Two Modes. One Brain. No Config Hell.

Whether you're on Mercury's paid plan with AR Invoices or running the free plan, the plugin adapts. Set it to Auto and it detects your plan, picks the right flow, and remembers — so it never wastes a checkout probing the wrong door.

Hosted invoice with Mercury-branded pay page (paid plan)
Account/routing display with automatic transfer matching (free plan)
Auto mode silently detects and falls back — one setting covers both
Optional card payment on invoice when Stripe is connected to Mercury

Automated Reconciliation. The Spreadsheet Retires.

The plugin polls your Mercury transactions on every cron run. When a transfer matches your order — by amount and the order reference in the memo — the order confirms itself. Amount-only matches get flagged for admin review rather than blindly auto-confirmed, because two orders for the same price is a real scenario.

Inbound transfer matches amount + memo reference → auto-confirmed
Amount-only matches flagged for review — no false positives
Webhook acceleration: sweeps orders on Mercury transaction signal
Transaction ID recorded on the order for your audit trail

Real-World Use Cases

A wholesale kitchen equipment supplier processes $3,000–$15,000 orders to restaurant groups and institutional buyers. Card processing fees on those orders run into thousands per month — real money, not a rounding error. With Mercury ACH payments enabled at checkout, their business buyers pay direct from their bank account. The plugin creates the invoice, the customer pays via ACH debit on the Mercury-hosted page, and the order confirms automatically. Card fees on those orders: near zero.

A web studio sells retainer packages and project deposits through their Joomla store. They're on Mercury's free plan. They enable reconcile mode, write custom instructions asking clients to include their project reference in the memo, and configure their routing details. Clients make the transfer. The plugin's cron picks up the inbound transaction, matches amount plus reference, and confirms the order. The studio owner stopped logging into Mercury to manually approve projects before starting work.

An outdoor gear retailer serves both individual shoppers and commercial outfitting companies. They configure the Mercury plugin with Stripe connected, enabling both ACH debit and card payment on the hosted invoice. Commercial accounts choose ACH and save on transaction costs. Individual shoppers pick card. One checkout, two payment options, one automated confirmation flow. Nobody is confused. Nobody calls.

A US-based distributor needs ACH payments shown only to US billing addresses. They configure a US geo-zone restriction. Customers outside the US don't see the payment option at checkout. No manual filtering, no customer service calls about why a payment method isn't showing. The option appears for the right customers and stays invisible for everyone else.

A merchant configures the plugin with Mercury's sandbox credentials and tests invoice creation, reconcile flow, and the entire order confirmation cycle without touching real accounts. When everything checks out — one toggle switches to live. Their ecommerce store went live with ACH payments already verified working. No surprises.

Your Bank Transfer Option Has Been Missing From Checkout Long Enough

Add it. Configure it once. Watch the card fees stop. Your accountant will be insufferably smug about it — but they'll be right.

Translated In The Following Languages

Arabic Unitag (ar-AA), Chinese, Traditional (zh-TW), Danish (da-DK), Dutch (nl-NL), English (en-GB), English, USA (en-US), Finnish (fi-FI), French (fr-FR), German (de-DE), Greek (el-GR), Hebrew (he-IL), Italian (it-IT), Japanese (ja-JP), Norwegian Bokmål (nb-NO), Persian Farsi (fa-IR), Polish (pl-PL), Portuguese, Brazil (pt-BR), Portuguese, Portugal (pt-PT), Russian (ru-RU), Spanish (es-ES), Swedish (sv-SE), Turkish (tr-TR)

License Information

An active license entitles you to updates, downloads, and support for the duration of the license period. You may continue using this plugin indefinitely without an active license; however, support, updates, and downloads will not be available while your license is inactive.