Loved by 450K+ of the best businesses on the planet
Why startups, small businesses and growth stage companies prefer Mercury over Relay
Simpler payments, fewer fees
Accounting that's built into your banking platform
Intelligent accounting software built directly into the place your money already lives.
How Mercury's radically different banking stacks up to Relay
Mercury figures reflect current product terms. Relay figures come from Relay's published fee schedules, as of November 2026. Terms change — confirm current pricing before you decide.
Mercury | Relay | Takeaway | |
|---|---|---|---|
Business payments | Mercury keeps core money movement simple and low-cost, with free ACH, domestic wires, and USD international wires instead of transaction fees that vary by plan. | Fees vary by plan. Standard ACH is free on all tiers. Same-day ACH ranges from $1 to free, domestic wires from $8 to $5, incoming wires are $5, SWIFT wires are $25–$20, and online card payments are 2.9% + $0.30. | Why pay more just to move your own money? Mercury keeps ACH, domestic wires, and USD international wires free. |
FDIC insurance | Relay offers up to $3 million in FDIC insurance through its partner bank. | Mercury provides more room to protect the cash your business runs on. | |
Business credit card cashback | Cashback on credit card spend is dependent on the subscription tier. For the "Starter" tier, cashback is 1%, "Grow" ($30/month) it is 1.25%, for "Scale" ($90/month) it is 1.5%. | Why pay for a higher tier to earn 1.5% back? Mercury gives eligible businesses flat 1.5% cashback with no annual fee. | |
Accounting & month-end close | Mercury offers Xero and QuickBooks integrations alongside Mercury Books, a native accounting product — so wherever you do accounting, it's seamless and easy. | Relay integrates with external accounting software such as Xero, QuickBooks, Gusto and Plaid, rather than offering an equivalent native accounting ledger. | Why sync into accounting when accounting already lives here? Mercury Books brings the ledger, reconciliation, and reporting directly into Mercury. |
Banking should do more
Say goodbye to bad design and hidden fees.
Everything you do with money. All in one place.
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