Mercury is an Accounting & finance tool: Banking built for startups.

How much does Mercury cost?

Mercury uses a Freemium model; paid plans start at $30 per month.

What are the best alternatives to Mercury?

Community-listed alternatives to Mercury include QuickBooks Online, Brex, Zoho Books, Ramp.

What does Mercury integrate with?

Mercury integrates with QuickBooks, Xero, NetSuite, Gusto, Stripe, Shopify and more.

Which platforms does Mercury support?

Mercury is available on web, ios, android.

Mercury

Banking built for startups

Freemium · $30Payments & billing Accounting & finance

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Mercury is an accounting & finance tool for Small businesses and Developers, offered as freemium ($30/mo). Based in United States, founded in 2017. Popular alternatives include QuickBooks Online, Brex, Zoho Books.

About Mercury

Mercury is a US financial technology company, founded in 2017 and based in San Francisco, that provides business banking for startups and online businesses. Mercury itself is not a bank: accounts are held at partner banks, and deposits can be swept across a network of banks to extend FDIC insurance well beyond the standard limit for a single bank.

The free core product includes checking and savings accounts, physical and virtual debit cards, a corporate credit card, domestic and international wires, ACH transfers, invoicing, bill pay and an API for automating finance. Mercury Treasury invests idle cash in money market funds for yield, and the paid tiers, Mercury Plus and Mercury Pro, add advanced bill pay, reimbursements and dedicated support. Onboarding is online and fast, and many founders outside the United States use Mercury for a Delaware company formed through services such as Stripe Atlas.

Mercury fits venture-backed and bootstrapped startups with a US entity that want a modern interface and an API. It only serves US-registered companies, cash deposits and some traditional banking services are limited, and as a fintech it depends on its partner banks. Brex and Ramp focus more on spend management and corporate cards, Relay offers many sub-accounts for profit-first budgeting, and traditional banks provide fuller lending relationships for companies that need credit lines.

Key features of Mercury

Business checking and savings
Debit and credit cards
Treasury and yield
Invoicing and bill pay
International wires
API and integrations

Pros and cons

Pros

Fast, founder-friendly onboarding
No monthly fees on core
Excellent UI
Works for non-US founders of US companies

Cons

US entities only
Cash deposits limited
Not a full-service bank
Some features on paid tiers

Mercury pricing

Mercury uses a freemium model.

Plan	Price	Includes
Mercury	$0	Banking, cards, invoicing, bill pay, expense management
Plus	$29.90 / mo	Recurring invoices, ACH debit invoicing; 15% off annually
Pro	$299 / mo	Relationship manager, NetSuite categorizations

Source: mercury.com · checked on Oct 20, 2026

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How Mercury compares in Accounting & finance

Rank by votes: #1 / 27
Starting price: $30
Free alternatives: 1

Mercury ranks #1 of 27 accounting & finance tools by community votes and is priced above most tools in the category.

Common use cases

1Delaware startup banking
2Holding runway in treasury
3Paying international contractors
4Automating finance with API

Best for

US-incorporated startups.

Not ideal for

Non-US entities.

Integrations

QuickBooks
Xero
NetSuite
Gusto
Stripe
Shopify
Brex/Ramp
API

Our take

Mercury is the default bank for US startups, including foreign founders.

FAQ

What is Mercury?: Mercury is an Accounting & finance tool: Banking built for startups.
How much does Mercury cost?: Mercury uses a Freemium model; paid plans start at $30 per month.
What are the best alternatives to Mercury?: Community-listed alternatives to Mercury include QuickBooks Online, Brex, Zoho Books, Ramp.
What does Mercury integrate with?: Mercury integrates with QuickBooks, Xero, NetSuite, Gusto, Stripe, Shopify and more.
Which platforms does Mercury support?: Mercury is available on web, ios, android.
Who is Mercury for?: US-incorporated startups.

Alternatives to Mercury

See all 10

QuickBooks Online
▲ 0
Small-business accounting standard in the US
Freemium · $38Small businesses
checked Oct 20
Brex
▲ 0
Corporate cards and spend management
Freemium · $12Enterprise
checked Oct 20
Zoho Books
▲ 0
Affordable accounting with a free tier
Freemium · $20Small businesses
checked Oct 20
Ramp
▲ 0
Finance automation with free corporate cards
Freemium · $15Small businesses
checked Oct 20
Wave
▲ 0
Free accounting and invoicing for freelancers
Freemium · $19Freelancers
checked Oct 20
Expensify
▲ 0
Receipt scanning, expense reports and corporate cards for SMBs
Freemium · $5Small businesses
checked Oct 20

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QuickSinq
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Paid · $9
Bonsai
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Paid · $15Freelancers
checked Oct 20
KolayBi
▲ 0
Mobile-friendly pre-accounting and e-invoicing for Turkish SMBs
PaidSmall businesses
checked Oct 20
Nuvio
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AI finance app for startups with optional bookkeeping and tax service
Paid · $55Small businesses
checked Oct 28

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