Loved by 450K+ of the best businesses on the planet
Why startup and growth-stage companies prefer Mercury over Brex
One system for banking and finance operations
Manage your accounts, cards, spending, invoicing, bill pay, accounting, and financing — all from one Mercury platform.
Built for founders around the world
Apply for Mercury with an eligible U.S.-registered business, even if you live abroad. U.S. citizenship or residency isn't required.
How Mercury's radically different banking stacks up to Brex
Mercury figures reflect current product terms. Brex figures come from Brex's published fee schedules, as of November 2026. Terms change — confirm current pricing before you decide.
Mercury | Brex | Takeaway | |
|---|---|---|---|
Treasury / yield on idle cash | Brex Treasury invests funds in a government money-market fund and currently advertises up to 3.97% total Treasury return (as of 11/04/2026). | Competitive yield, without overcomplicating cash management. Mercury currently advertises a higher maximum yield, while Brex offers a more flexible Treasury structure. Rates can change. | |
Corporate cards & rewards | Brex uses points: up to 7x rideshare, 4x Brex Travel, 3x restaurants, 2x software and 1x elsewhere, redeemable for cash, travel, advertising and other benefits. | ||
Accounting & month-end close | Mercury integrates with QBO, Xero and NetSuite and now offers Mercury Books, a native accounting system built directly into banking that automatically categorizes and reconciles transactions. | Brex offers deep ERP integrations and accounting automation, including AI coding and integrations such as Rillet, but relies on an external accounting system as the ledger. | Why sync your books when they can live alongside your money? Mercury Books puts the accounting ledger inside Mercury, connecting banking, reconciliation, and reporting in one system. |
AI, automation & developer tooling | Mercury includes Command, Insights, API, MCP and CLI capabilities designed to query finances and execute financial workflows across the platform. Mercury Command sits across banking and finance workflows rather than being limited to individual expense/AP tasks. | Brex has an extensive API covering accounting, budgets, expenses, payments, travel, teams and transactions, plus substantial AI across expense and AP workflows. | More than spend APIs. Brex goes deep on spend-management integrations. Mercury connects AI, agents, APIs, MCP, and CLI across a broader financial system. |
Banking built for more than spend
Run your startup’s banking, accounting, Treasury, and financing in one platform—not just cards and expenses.
Everything you do with money. All in one place.
Don’t just take it from us
The [Mercury] application process was easy and fast. It felt straightforward and nonsense-free. I didn’t feel that I had to be on the lookout for sneaky fees.
Jake Stein
Co-founder & CEO
Common Paper
SaaS
I love how easy it is to process payments without having to call to verify each one. Plus, Mercury’s permission structure lets me give the team access to the info they need while keeping the account secure.
Dina Burkitbayeva
CEO
Freedom Biosciences
Biotechnology
Mercury is so intuitive and saves us so much time. Plus, free international transfers save us a ton of money when we pay our suppliers overseas.
Mark Zhang
CEO
Manta Sleep
Ecommerce
01 / 03
Compare Mercury plans
Mercury Plus
$29.90 per month
For businesses that need more efficiencies and streamlined invoicing.
Start 30-day free trial
Everything you get with a Mercury account, plus:
Invoice with ACH debit ($1/transaction)
Recurring invoices
Unlimited 1099 tax filings
Priority Support
$50 off eligible LegalZoom Compliance Plans
6 months free Xero
Add ons:
Mercury Pro
$299 per month
For businesses with complex operations that need a relationship manager.
Everything you get with Plus, and more:
Relationship manager
Invoice with ACH debit ($0/transaction)
NetSuite categorizations
Unlimited 1099 tax filings
Priority Support
$50 off eligible LegalZoom Compliance Plans
6 months free Xero