MercCredit is a simple and secure way to manage and monitor your payment transaction activity.  A mobile companion app integrated within MercMobile that allows you to control how, when and where your Mercantile credit card is used.  MercCredit can help keep your credit cards safe and provide instant notifications whenever your card is used.


  • Card usage controls: Establish spending limits to allow transactions up to a certain dollar amount and decline transactions when amounts exceed pre-defined thresholds. Transactions can also be monitored or controlled for specific merchant categories such as gas, hotel, travel, restaurants, groceries or electronic stores.
  • Card on/off setting: When the card is "on", transactions are allowed in accordance with the usage control settings you've established. When the card is "off", no purchases or transactions are approved until the card is turned back "on". This control can be used to disable a lost or stolen card.
  • Location-based controls: Restrict transactions to merchants located within a certain range or your location (using your phone's GPS); transactions requested outside of the specified area can be declined.
  • Interactive alerts: Real-time alerts can be sent when a card is used, when a transaction is approved and exceeds any of the permitted use policies, or when a card transaction has been attempted but is declined.
  • Financial features: Understand spending clearly - see and track where your card is being used - in-person, online, in-app and for card-on-file purchases as well as access to view transaction history, offers and alerts that are relevant to your daily financial experiences.
  • Use cards easily: Simple and easy to use.  Add your cards to digital wallets with just a few simple steps.
  • Schedule one time or recurring payments: Make single payments, enroll in autopay or manage your payment accounts easily within the app, which allows you a more efficient way to manage expenses and helps keep you in control of your finances.
NOTE: MercCredit is only available within MercMobile, it cannot be accessed on the desktop.  When you access MercCredit for the first time within MercMobile, you will be prompted to download the app.

Please note that by using this link, you will be leaving Mercantile Bank's (the 'Bank') web site. The Bank takes no responsibility and makes no warranties, either expressed or implied, for any of the services, products or information available via this outside web site. The Bank is not responsible for and does not monitor the content, performance, policies (including any privacy policies) or administration of this outside web site, which are the sole responsibility of their creators and do not represent, explicitly or implicitly, positions, policies or opinions of the Bank, its affiliates, its employees or its Board of Directors.