Mercury vs Paddle
Mercury and Paddle are both payments & billing tools aimed at small businesses and developers. Only Mercury has a free plan.
| Pricing | Freemium · $30 | Paid |
| Starting price | $29.90/mo | Not published |
| Free plan | Yes | No |
| Free trial | — | — |
| Built for | Small businesses, Developers | Small businesses, Developers |
| Platforms | web, ios, android | web |
| Country | US · 2017 | GB · 2012 |
| Rating | — | — |
Choose Mercury if
US-incorporated startups.
- Fast, founder-friendly onboarding
- No monthly fees on core
- Excellent UI
Look elsewhere if: Non-US entities.
Choose Paddle if
SaaS and software companies that sell internationally and want to outsource tax and billing entirely.
- Eliminates global tax compliance burden
- Available to sellers worldwide including Turkey
- Subscription billing and dunning included
Look elsewhere if: Marketplaces, physical goods or businesses that need Stripe-level API customization.
Mercury vs Paddle pricing
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
Paddle
- Pay as you go5% + 50¢/per transactionMerchant of record: tax, fraud, chargebacks included
- CustomCustomVolume pricing for larger businesses
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
Paddle · Key features
- Merchant of record: global tax calculation, collection and remittance
- Checkout overlay and inline with localized pricing
- Subscriptions, trials, upgrades, proration and dunning
- Payment methods: cards, PayPal, Apple Pay, Google Pay, local methods
- Retain for failed payment recovery and ProfitWell Metrics
- Invoicing for B2B, API and webhooks
Cons
- Higher fees than direct Stripe
- Less customization than Stripe APIs
- Onboarding review can take time
Mercury vs Paddle: FAQ
Do Mercury and Paddle have a free plan?
Mercury has a free plan. Paddle has no free plan.