How to protect your Mercari balance while you are alive
There is no way to name a beneficiary or successor on a Mercari account. Mercari allows no lifetime transfer of balance; the account holder can only redeem them.
Mercari decides requests about Mercari balance after a death case by case, so nothing in its terms promises a survivor anything; what the account holder sets up in advance is what holds. There is no way to name a beneficiary or successor on a Mercari account. Mercari allows no lifetime transfer of balance; the account holder can only redeem them.
How to protect your Mercari balance
Naming who acts after a death
- Designation
Mercari offers no beneficiary designation, and an account cannot be handed to a spouse or child during life or at death.1
What Mercari, Inc.'s terms say about sharing and transfers5
- Pooling with family
Mercari has no family-sharing, pooling or joint-account feature.1
- Transferring the account or registration
The account is a personal, limited, revocable, non-transferable license, and a user may not assign or transfer their rights under the Terms, by operation of law or otherwise, without Mercari's prior written consent.1
- Transfers to another member
Mercari credits and coupons cannot be transferred to any other user or person.1
- Fees
Direct Deposit to a checking account is free and can take up to 5 business days. Instant Pay to a Visa or Mastercard debit card costs $3 per withdrawal, up to $600 per month, and typically arrives within minutes, up to 30 minutes.2
- Expiry and activity requirements
Mercari credits expire 90 days from the date they are earned.1
Sources2
- 1.Terms of Service, effective February 24, 2025
- 2.Getting paid: Direct Deposit, Instant Pay, and payout issues
Should you save your passwords for your family?
Some people store account passwords so a family member can sign in later. The practice has three practical limits:
- Two-factor authentication often blocks it. Most accounts require a second factor — a code sent to a phone, an authenticator app, a passkey, or a physical key. A saved password alone frequently does not grant access, and the recovery codes that would are easy to lose or let go stale.
- It usually conflicts with the platform's terms. Most operators prohibit account sharing and signing in as another person, including after a death. Stored credentials are not the operator's recognized access path, and using them can violate the terms of service.
- Operators provide other paths. Where an operator offers a designation tool — Apple's Legacy Contact, Google's Inactive Account Manager, a beneficiary designation — that mechanism grants access the operator recognizes. A password manager's own emergency-access or legacy feature passes credentials through a controlled process. Digital assets named in a will or trust give a fiduciary authority under each state's Revised Uniform Fiduciary Access to Digital Assets Act (RUFADAA).
Sources
Data sourced from Mercari, Inc. primary sources (6 pages reviewed). How we research.
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