Mercury vs Ramp
Mercury and Ramp are both accounting & finance tools. Mercury is aimed at small businesses and developers, while Ramp is aimed at small businesses and enterprise. Ramp costs less, from $15/mo versus $29.90/mo for Mercury. Both have a free plan.
| Pricing | Freemium · $30 | Freemium · $15 |
| Starting price | $29.90/mo | $15/mo |
| Free plan | Yes | Yes |
| Free trial | — | 30 days |
| Built for | Small businesses, Developers | Small businesses, Enterprise |
| Platforms | web, ios, android | web, ios, android |
| Country | US · 2017 | US · 2019 |
| 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 Ramp if
US startups and mid-market companies.
- Free core product
- Excellent automation
- Savings insights
Look elsewhere if: Non-US companies.
Mercury vs Ramp 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
Ramp
- Free$0Cards, expenses, basic AP and AR
- Plus$15/user/moPlus platform fee; 20% off annually; multi-entity
- EnterpriseCustomWorkday/Oracle, global cards, dedicated AM
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
Ramp · Key features
- Free corporate cards with controls
- Expense automation with AI
- Bill pay and procurement intake
- Travel booking
- Price intelligence and savings insights
- Deep ERP integrations
Cons
- US-focused
- Requires eligibility
- Plus needed for advanced workflows
Mercury vs Ramp: FAQ
Which is cheaper, Mercury or Ramp?
Ramp starts at $15/mo and Mercury at $29.90/mo. Both prices are checked on the vendors' own pricing pages.
Do Mercury and Ramp have a free plan?
Yes, both Mercury and Ramp have a free plan; paid plans add more usage and features.