Mercury vs Zoho Books
Mercury and Zoho Books are both accounting & finance tools. Mercury is aimed at small businesses and developers, while Zoho Books is aimed at small businesses. Zoho Books costs less, from $20/mo versus $29.90/mo for Mercury. Both have a free plan.
Mercury
Banking built for startups
Zoho Books
Affordable accounting with a free tier
| Pricing | Freemium · $30 | Freemium · $20 |
| Starting price | $29.90/mo | $20/mo |
| Free plan | Yes | Yes |
| Free trial | — | 14 days |
| Built for | Small businesses, Developers | Small businesses |
| Platforms | web, ios, android | web, ios, android |
| Country | US · 2017 | IN · 2011 |
| 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 Zoho Books if
SMBs seeking value and multi-country compliance.
- Excellent value
- Free plan for small businesses
- Strong compliance coverage
Look elsewhere if: US businesses tied to QuickBooks-savvy accountants.
Mercury vs Zoho Books 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
Zoho Books
- Free$0Revenue under $50K/yr, 1 user + accountant, 1,000 invoices/yr
- Standard$20/org/mo$15/mo billed annually; 3 users
- Professional$50/org/mo$40/mo billed annually; 5 users, inventory, projects
- Premium$70/org/mo$60/mo billed annually; 10 users, custom modules
- Elite$150/org/mo$120/mo billed annually; full inventory management
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
Zoho Books · Key features
- Invoicing, quotes and recurring billing
- Bank feeds and reconciliation
- Inventory and projects
- Multi-country tax compliance
- Client portal and workflows
- Zoho suite integration
Cons
- UI can feel busy
- Best inside Zoho ecosystem
- Support variable
Mercury vs Zoho Books: FAQ
Which is cheaper, Mercury or Zoho Books?
Zoho Books starts at $20/mo and Mercury at $29.90/mo. Both prices are checked on the vendors' own pricing pages.
Do Mercury and Zoho Books have a free plan?
Yes, both Mercury and Zoho Books have a free plan; paid plans add more usage and features.