Adyen vs Mercury
Adyen and Mercury are both payments & billing tools. Adyen is aimed at enterprise and E-commerce, while Mercury is aimed at small businesses and developers. Only Mercury has a free plan.
Adyen
Enterprise payments platform for online, in-store and platform sales
Mercury
Banking built for startups
| Pricing | Paid | Freemium · $30 |
| Starting price | Not published | $29.90/mo |
| Free plan | No | Yes |
| Free trial | — | — |
| Built for | Enterprise, E-commerce | Small businesses, Developers |
| Platforms | web | web, ios, android |
| Country | NL · 2006 | US · 2017 |
| Rating | — | — |
Choose Adyen if
Large merchants and platforms processing high volumes across several countries and channels that want one acquiring partner.
- Transparent, published Interchange++ pricing with no setup or monthly fees
- Single platform for online, in-store and marketplace payments
- Strong authorization rates from direct acquiring and tokenization
Look elsewhere if: Small businesses and early startups that need instant self-serve setup (Stripe, PayPal, Square).
Choose Mercury if
US-incorporated startups.
- Fast, founder-friendly onboarding
- No monthly fees on core
- Excellent UI
Look elsewhere if: Non-US entities.
Adyen vs Mercury pricing
Adyen
- Processing fee$0.13/transactionFixed fee on every payment, plus the payment method fee
- Cards (Visa, Mastercard)Interchange++ + 0.60%Interchange and scheme fees passed through at cost
- American Express3.3% + $0.10North America rate; 3.95% elsewhere
- ACH Direct Debit$0.27/transactionNo setup, monthly or closure fees; minimum invoice may apply
Mercury
- Mercury$0Banking, cards, invoicing, bill pay, expense management
- Plus$29.90/moRecurring invoices, ACH debit invoicing; 15% off annually
- Pro$299/moRelationship manager, NetSuite categorizations
Adyen · Key features
- Own acquiring and processing for cards in many countries under one contract
- Drop-in and Components SDKs for web, iOS and Android checkout
- Point-of-sale terminals and Tap to Pay on iPhone and Android
- RevenueProtect risk engine with configurable fraud rules
- Network tokenization and automatic card updater to lift authorization rates
- Adyen for Platforms for marketplace onboarding, KYC and split payouts
Cons
- Sales-led onboarding that is not designed for small merchants
- Integration and configuration usually need in-house developers
- Minimum invoice can apply depending on industry
Mercury · Key features
- Business checking and savings
- Debit and credit cards
- Treasury and yield
- Invoicing and bill pay
- International wires
- API and integrations
Cons
- US entities only
- Cash deposits limited
- Not a full-service bank
Adyen vs Mercury: FAQ
Do Adyen and Mercury have a free plan?
Adyen has no free plan. Mercury has a free plan.
Which is better for small businesses, Adyen or Mercury?
Mercury lists small businesses as a core audience, while Adyen is aimed more at enterprise and E-commerce.