Mercury vs Relay
Side-by-side comparison of features, pricing, and integrations.
Quick Verdict
Mercury offers more features (33 vs 30) and more integrations (9 vs 3). Starting price: Mercury at $29.9/mo vs Relay at $30/mo. Mercury has 31 unique features while Relay has 28 unique features, with 2 features in common.
| Mercury | Relay | |
|---|---|---|
| Category | Financial Management | Financial Management |
| Total Features | 33 | 30 |
| AI-Powered Features | 3 | 2 |
| Starting Price | $29.9/mo | $30/mo |
| Pricing Tiers | 4 | 3 |
| Integrations | 9 | 3 |
| Shared Features | 2 | |
| Shared Integrations | 2 | |
| Data Quality | 80% | 80% |
Feature Comparison by Category
Accounting Automations (6 vs 0)
| Feature | Mercury | Relay |
|---|---|---|
| Multiple GL Codes for Bill Payments | ||
| NetSuite Integration | ||
| QuickBooks Integration | ||
| Receipt Reconciliation | ||
| Transaction Categorization | ||
| Xero Integration |
Automation (0 vs 2)
| Feature | Mercury | Relay |
|---|---|---|
| AI-Powered Automation and Insights | ||
| Customizable Bookkeeping Automation |
Automations (1 vs 0)
| Feature | Mercury | Relay |
|---|---|---|
| Automated Transfers |
Banking (5 vs 5)
| Feature | Mercury | Relay |
|---|---|---|
| Credit Card Cash Back | ||
| Free Business Checking & Savings Accounts | ||
| High-Yield Savings Accounts | ||
| Mercury Personal Savings Account | ||
| Mobile App | ||
| Multiple Checking Accounts | ||
| Total Visibility Dashboard | ||
| Universal Search Bar | ||
| Virtual and Plastic Credit Cards | ||
| Virtual and Plastic Debit Cards |
Bills & Expenses (0 vs 3)
| Feature | Mercury | Relay |
|---|---|---|
| Batch Vendor Payments | ||
| Bill Management | ||
| Bill Payment Automation |
Cards & Expense Management (3 vs 0)
| Feature | Mercury | Relay |
|---|---|---|
| 1.5% Cashback on Credit Spend | ||
| Business Credit Cards | ||
| Virtual Card Creation |
Collaboration (0 vs 1)
| Feature | Mercury | Relay |
|---|---|---|
| Collaboration Tools |
Expense Management (1 vs 0)
| Feature | Mercury | Relay |
|---|---|---|
| Expense Reimbursements |
Expenses (0 vs 4)
| Feature | Mercury | Relay |
|---|---|---|
| Customizable Cards with Spend Policies | ||
| Expense Tracking | ||
| Receipt Collection & Storage | ||
| Spend Approval Requests |
Integrations (0 vs 2)
| Feature | Mercury | Relay |
|---|---|---|
| Accounting Integrations | ||
| Partner Perks |
Invoicing (5 vs 5)
| Feature | Mercury | Relay |
|---|---|---|
| ACH Debit Invoicing | ||
| AI-Powered Invoice Reminder | ||
| Auto Charge Card on File | ||
| Invoicing | ||
| Invoicing API | ||
| Payment Request Links | ||
| Recurring Invoices | ||
| Stripe Credit Card Payment Processing |
Payments (3 vs 3)
| Feature | Mercury | Relay |
|---|---|---|
| ACH Debit | ||
| Bill Pay with AI | ||
| International Wire Transfers | ||
| Multiple Payment Methods | ||
| No-Fee USD Payments | ||
| Same-Day ACH |
Pricing (0 vs 1)
| Feature | Mercury | Relay |
|---|---|---|
| No Hidden Fees or Minimums |
Reporting (0 vs 1)
| Feature | Mercury | Relay |
|---|---|---|
| Cash Flow Insights & Forecasts |
Security (4 vs 2)
| Feature | Mercury | Relay |
|---|---|---|
| Dark Web Monitoring | ||
| Extended FDIC Insurance Coverage | ||
| FDIC Insurance | ||
| Fraud & Phishing Protection | ||
| MFA Verification | ||
| Visa Zero Liability Protection |
Support (2 vs 1)
| Feature | Mercury | Relay |
|---|---|---|
| Chat Support | ||
| Dedicated Account Management | ||
| Priority Customer Support |
Taxes (1 vs 0)
| Feature | Mercury | Relay |
|---|---|---|
| 1099 Tax Filings |
Team Management (1 vs 0)
| Feature | Mercury | Relay |
|---|---|---|
| Team Management & Permissions |
Treasury (1 vs 0)
| Feature | Mercury | Relay |
|---|---|---|
| Mercury Treasury |
Unique Features
Only in Mercury (31)
Multiple GL Codes for Bill Payments
NetSuite Integration
QuickBooks Integration
Receipt Reconciliation
Transaction Categorization
Xero Integration
Automated Transfers
Free Business Checking & Savings Accounts
Mercury Personal Savings Account
Mobile App
Total Visibility Dashboard
Universal Search Bar
1.5% Cashback on Credit Spend
Business Credit Cards
Virtual Card Creation
Expense Reimbursements
ACH Debit Invoicing
Invoicing API
Stripe Credit Card Payment Processing
Bill Pay with AI
+ 11 more unique features
Only in Relay (28)
AI-Powered Automation and Insights
Customizable Bookkeeping Automation
Credit Card Cash Back
High-Yield Savings Accounts
Multiple Checking Accounts
Virtual and Plastic Credit Cards
Virtual and Plastic Debit Cards
Batch Vendor Payments
Bill Management
Bill Payment Automation
Collaboration Tools
Customizable Cards with Spend Policies
Expense Tracking
Receipt Collection & Storage
Spend Approval Requests
Accounting Integrations
Partner Perks
AI-Powered Invoice Reminder
Auto Charge Card on File
Payment Request Links
+ 8 more unique features
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