Transparent pricing

Powerful business banking that’s free to use, with upgraded financial workflows as you scale.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust ®, Members FDIC. Deposit insurance covers the failure of an insured bank.

Mercury

$0/ Month

Powerful business banking and finance essentials.

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Business banking

  • FDIC-insured bank accounts

  • Online ACH, wires, & checks

  • Corporate debit & credit cards

  • Up to 5.30% yield ($500K minimum balance)

Bill pay

  • Process up to 5 bills/month


Invoicing

  • Unlimited invoice generation



Reimbursements (coming soon)

    Closing the books

    • Xero

    • QuickBooks

    Mercury Plus

    $35/ Month

    Everything Mercury offers, with more billing and invoicing power.

    Get Started

    Business banking

    • FDIC-insured bank accounts

    • Online ACH, wires, & checks

    • Corporate debit & credit cards

    • Up to 5.30% yield ($500K minimum balance)

    Bill pay

    • Process 20 bills/month

      + $2/additional bill

    Invoicing

    • Unlimited invoice generation

    • Recurring invoicing

    • Branded invoices

    Reimbursements (coming soon)

      Closing the books

      • Xero

      • QuickBooks

      Mercury Pro

      $350/ Month

      Everything Mercury Plus offers,
with advanced workflows and dedicated support.

      Get Started

      Business banking

      • FDIC-insured bank accounts

      • Online ACH, wires, & checks

      • Corporate debit & credit cards

      • Up to 5.30% yield ($500K minimum balance)

      Bill pay

      • Process 250 bills/month

        + $1/additional bill

      Invoicing

      • Unlimited invoice generation

      • Recurring invoicing

      • Branded invoices

      Reimbursements (coming soon)

        Closing the books

        • Xero

        • QuickBooks

        • NetSuite

        Tap into expertise

        • Relationship Manager

          Also guaranteed at $10M+ in deposits

        Compare all features

        Custom solutions for enterprise

        Get in touch with our team for
custom pricing and plan options.

        Compare our plans

        Banking
        No monthly or overdraft fees, or minimum balances
        Business Checking and Savings
        Mercury Treasury
        With $500K cumulative account balance
        Earn up to 5.30%Earn up to 5.30%Earn up to 5.30%
        Up to $5M in FDIC insurance
        Through our partner banks and their sweep networks
        Free domestic and international wires (USD)
        1% flat fee currency exchange
        Partner perks and rewards
        Payments API
        Team management including bookkeeper access
        Third-party integrations
        With Stripe, Slack, and more
        Cards
        Virtual and physical debit cards
        Corporate credit cards
        1.5% cashback / $25K balance minimum
        Custom spend limits and merchant-locked cards
        Duplicate subscription detection
        Card-only user permissions
        Security
        Automated fraud monitoring
        SOC 2 compliance
        Robust encryption
        PCI-certified to protect credit card info
        Multi-factor authentication
        Accounting Automations
        Bank feed importQuickBooks Online, Xero, and NetSuiteQuickBooks Online, Xero, and NetSuiteQuickBooks Online, Xero, and NetSuite
        Enriched accounting integrationsQuickBooks Online
and XeroQuickBooks Online
and XeroQuickBooks Online, Xero, and NetSuite
        Invoicing
        Unlimited invoice generation
        Recurring invoicing
        Branded invoices
        Bill Pay
        Processed bills per month520
        + $2/additional bill
        250
        + $1/additional bill
        Approval rules
        Email bill forwarding
        Automated bill scanning
        Duplicate bill detection
        Customer support
        Email or contact support via your Mercury dasbhoard
        Dedicated Relationship Manager
        Also guaranteed at $10M+ in deposits
        Mercury is built for entrepreneurs. All of my businesses are under one login and I can do anything I need myself – make new accounts, transfer funds between them, and pay international vendors without fees.

        Allen Walton

        Founder & CEO

        SpyGuy

        Ecommerce

        Pricing FAQ

        Mercury business banking is free to use. However, certain advanced features may incur fees. These include: making mass payments on our API, accessing Mercury Treasury account management, exchanging money in non-USD currencies, and sending USD internationally with optional premium processing. There are no account minimums, overdraft fees, monthly fees, or account opening fees.Customers have the option to select a paid plan (starting at $35/month) for access to these advanced payment workflows, including more invoicing features, our enriched NetSuite automations and the ability to pay all monthly bills from Mercury.If your business doesn’t need access to these advanced financial workflows quite yet, don't worry. Our business checking and savings bank accounts are free for everyone. Anyone can send payments from their Mercury account without subscribing to a paid plan. When you're ready, you can upgrade to access the advanced features at the price point that makes sense for your company and volume of business.

        Mercury Personal gives you powerful personal banking for one all-inclusive subscription of $240/year. Your subscription is debited directly from your personal account once per year on the date you signed up. Learn more about how Mercury Personal can help you optimize your personal finances here.

        Customers can create, send, track, and receive payments on as many invoices as they’d like in the free version of Mercury. Advanced financial workflows and invoicing capabilities, like sending recurring invoices and including logos and preferred color schemes, are available as part of our paid plans (starting at $35/month). Learn more about pricing hereIt’s free for customers to pay you by ACH transfer, wire, or through Mercury. Stripe charges a processing fee for each credit card payment, which is typically 2.9% + $0.30. Mercury does not charge any additional fees for credit card payments.

        While anyone can send payments from their Mercury account without subscribing to a paid plan, using Mercury Bill Pay gives you more precision and control and allows you to pay bills more efficiently. Using AI, Mercury Bill Pay automatically extracts data so there is no need to copy and paste invoice information. Bill Pay allows you to receive bills to a dedicated bill inbox, which helps you manage and prioritize your unpaid bills, organizing them by approval status and due dates. Lastly, Bill Pay allows you to sync your bill data directly to your accounting software.

        Even though opening a Mercury account is free, we make money in a number of different ways. We earn interest on deposits, foreign exchange processing on international wires, and fees paid on Mercury Treasury and Mercury Venture Debt. Additionally, when you use your debit card or IO credit card, Visa and Mastercard charge a fee to the merchants — we receive a percentage of this fee, known as interchange. We also have subscription revenue from our financial workflows products and Mercury Personal.

        There is a conversion fee (1% on the USD amount). This helps us cover the cost associated with sending money internationally through the SWIFT network. If your company is exchanging >$200K, reach out to us to chat about fees.

        As a Mercury customer, you have the option to send USD international wires for free. We offer two options for how those wires are processed. The first, coded as SHA, is standard among most banks and while free to you, may result in intermediary bank fees that are absorbed by your recipient. The second, coded as OUR, gives you the option to pay a flat fee of $15 so that any intermediary fees will be charged back to Mercury, making it more likely your recipient will receive the full amount.

        Mercury Treasury is currently available to users with account balances over $500K. We hope to open Mercury Treasury to all users in the future.

        Disclaimers and footnotes

          Mercury is a fintech company, not an FDIC-insured bank. Banking services provided by Choice Financial Group and Evolve Bank & Trust ®, Members FDIC. Deposit insurance covers the failure of an insured bank.