Mercury
mercury.comBuild Difficulty: 4/5
A few focused days to build a solid replacement
Online Business Banking For Startups, Small Businesses & Scaling Companies
How to Replace MercuryOverview
Features
33 features across 12 categories
Accounting Automations(6)
Assign multiple general ledger codes to bill payments for better accounting organization
NetSuite categorizations and enriched automations available on Pro plan
Enriched automations and bank feed connections with QuickBooks
Email or upload receipts and system auto-attaches them to the right card transaction
AI-powered automatic categorization and sync to QuickBooks, Xero, or NetSuite
Enriched automations and bank feed connections with Xero
Automations(1)
Reduce busywork with automated transfers and approval flows
Banking(5)
Open free checking and savings accounts with zero minimums and no account opening fees
Personal banking with 3.25% APY on savings account, joint accounts, and unlimited free USD wires
Native iOS and Android app with 4.9 Apple App Store rating
Get a clear view of all available funds and money in and out in one snapshot
Find any transaction, vendor, or card instantly or jump straight to creating payments, transfers, and more
Cards & Expense Management(3)
Earn unlimited cashback automatically deposited into account with no manual redemption or confusing points
Access business credit cards as soon as day one with no minimums, credit checks, or personal guarantees
Instantly create as many virtual cards as needed for any purpose like ad spend, contractor payments, etc.
Expense Management(1)
Enable expense reimbursements for team members with free reimbursement for up to 5 active users per month
Invoicing(5)
Send invoices with ACH debit option - $1 per transaction on Plus plan, free on Pro plan
Send manual and automatic invoices, accept flexible payment methods, and manage customer details from Mercury account
Create invoices programmatically through API with different limits based on plan
Set up recurring invoices for automatic billing
Accept credit card payments through Stripe with 2.9% + $0.30 processing fee
Payments(3)
AI reads bills, populates details automatically, and remembers past recipients for quick approval and payment in seconds
Send USD international wires for free with options for standard (SHA) or premium (OUR) processing
Send no-fee USD wires and no maintenance fees, saving thousands of dollars per year
Security(4)
Monitor dark web for account security threats
Get up to $5M FDIC insurance through partner banks and their sweep networks
Tech-forward fraud and phishing protection with MFA verification and dark web monitoring
Multi-factor authentication verification for account security
Support(2)
Chat support available for all customers
Relationship manager and dedicated account management for qualifying customers on Pro plan
Taxes(1)
Unlimited 1099 tax filings included on paid plans
Team Management(1)
Curb team spend with card limits, spend controls, and granular user permissions with approval flows and locks
Treasury(1)
Earn up to 3.71% yield with high-liquidity, lower-risk portfolios powered by J.P. Morgan Asset Management and Morgan Stanley
Pricing
Mercury
- ✓Free checking and savings accounts
- ✓Business banking
- ✓Sending and receiving money
- ✓Company cards
- ✓Expense management
- ✓Invoicing
- ✓Bill pay
- ✓Accounting automations
- ✓Treasury (with $250K+ balance)
- ✓Taxes
- ✓Receipt reconciliation
- ✓Team management
- ✓Automated transfers
- ✓Chat support
Mercury Plus
- ✓Everything in Mercury
- ✓ACH debit invoicing ($1/transaction)
- ✓Recurring invoices
- ✓Invoicing API (500 invoices/month)
- ✓Multiple GL codes for bill payments
- ✓Reimburse up to 20 users/month
- ✓Unlimited 1099 tax filings
- ✓$50 off LegalZoom Compliance Plans
- ✓6 months free Xero
Mercury Pro
Popular- ✓Everything in Plus
- ✓Relationship manager
- ✓ACH debit invoicing (free)
- ✓Invoicing API (unlimited invoices/month)
- ✓NetSuite categorizations
- ✓Reimburse up to 250 active users
- ✓Unlimited 1099 tax filings
- ✓$50 off LegalZoom Compliance Plans
- ✓6 months free Xero
Mercury Personal
- ✓Personal checking and savings accounts
- ✓3.25% APY on savings
- ✓Joint accounts
- ✓Unlimited free USD wires
Cost Calculator
Keep Paying Mercury
Build It Yourself
Total Cost Comparison
DIY hosting estimate based on Vercel + Supabase free/pro tiers (~$20/mo). Build time estimated from 33 features at easy complexity.
Build vs Buy
Should you build a Mercury alternative or buy the subscription? Estimate based on 33 features.
Buy Mercury
Better ValueBuild Your Own
Buying Mercury saves ~$26,196 over 3 years vs building.
Estimates based on 33 features and a BuildScore of 4/5. Actual costs vary.
Integrations
9 known integrations