| Earn up to 4.08% yield with lower-risk portfolios and same-day access to your money. Exclusively for Mercury account holders. | Checking Account with 2.00% APY (as of 10/14/2026). Investment account offers up to 4.66% in a custom fixed-income portfolio (as-of 10/14/2026). |
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| Up to $5M via partner banks' sweep networks | Ramp Checking Account has no cap specified (" Tens of millions" ). Ramp Operating Account: $250,000 per account. |
| - Base tier: $0
- Mercury Plus (for scaling teams & established operators): $29.90 per month
- Mercury Pro (for enterprises): $299 per month
| - Base tier: $0
- Ramp Plus: $15/month/user + Platform fee based on team size (save 20% with annual billing)
- Ramp Enterprise: Custom pricing on request (annual billing)
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| - Standard ACH: $0 to send and receive — typically 0–1 business days.
- Same Day/Instant Payments: $0 real-time payments / $0 same-day ACH (if sent by 12:00pm PT)
- Domestic Wire: $0 to send and receive USD
- International USD Wire: $0, generally 1–3 business days
- International non-USD wire rate (FX wires): 1% currency conversion fee calculated on the total USD amount
- Mailed Checks: $0 standard mail checks
- Physical Checkbooks: Up to six complimentary checkbooks/year.
| - Standard ACH: $0.59/payment when funded from an external bank account. Waived when funded from Ramp Checking.
Same Day/Instant Payments: $10/ACH from an external account. Waived with Ramp Checking. - Domestic Wire: $15/payment when externally funded. Waived through Ramp Checking.
- International USD Wire: $20 SWIFT wire when externally funded. Waived through Ramp Checking
- International non-USD wire rate (FX wires): Supports foreign-currency vendor payments using its exchange rates.
- Mailed Checks: $1.99/check externally funded. Waived from Ramp Checking. Overnight delivery is $20.
- Physical Checkbooks: Ramp is primarily focused on vendor checks through Bill Pay rather than customer-issued checkbooks.
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| - Plus: $1/transaction
- Pro: $0/transaction
| Invoicing not offered |
| Mercury Command for asking questions and taking action in plain language, auto-transfer rules, spend insights, CLI/MCP/API access. | AI agents across the finance stack, including expense management, AP, procurement, accounting, and reporting. |
Credit and financing options | More ways to fund growth than a corporate card alone: Access business credit through the IO card, working capital financing for near-term growth, and venture debt for eligible venture-backed companies — all alongside your Mercury operating accounts. | Ramp primarily extends business credit through its corporate card. Additional business financing is available through a referral partnership with Rapid Finance. |
Advanced ERP integrations | Pro includes features such as NetSuite categorizations | Ramp Plus includes NetSuite, Sage Intacct, Dynamics 365 Business Central, Acumatica and others |
| 24/7 chat, ~5 minute typical response. Email support available. Higher-tier Mercury plans can include a relationship manager. | 24/7 phone support. Ramp also provides in-app support through Ask Ramp (24/7). Users can submit support requests; responses are sent by email. Eligible businesses may receive an assigned account manager or customer success manager. |
Relationship manager | Included with Mercury Pro at $299/mo | Typically dependent on account/enterprise arrangement rather than a simple public price |
| Startups, ecommerce companies, and scaling businesses that want banking, payments, corporate cards, and access to multiple financing options in one platform. Ideal for businesses that value low-cost money movement and may need working capital or venture debt as they grow. | Best suited to finance teams that prioritize corporate cards, spend controls, expense management, and AP automation. It is especially compelling for businesses with high card spend that want sophisticated spend workflows and strong card-based underwriting. |
