How to Build Your Own Mercury
Replace Mercury with a custom build. Online Business Banking For Startups, Small Businesses & Scaling Companies
Build Difficulty: 4/5
A few focused days to build a solid replacement
Estimated Timeline
Based on 33 features at Few Days difficulty, expect about 3-5 days with AI-assisted development.
Recommended Tech Stack
Full-stack React framework with API routes and server components
PostgreSQL database, auth, and real-time subscriptions
Utility-first styling for rapid UI development
Key Features to Replicate
Top features across 8 categories. See all 33 features
Accounting Automations(6 features)
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
+1 more in this category
Banking(5 features)
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
Invoicing(5 features)
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
Security(4 features)
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
Cards & Expense Management(3 features)
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.
Payments(3 features)
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
Support(2 features)
Chat support available for all customers
Relationship manager and dedicated account management for qualifying customers on Pro plan
Automations(1 features)
Reduce busywork with automated transfers and approval flows
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.