Why businesses choose Mercury
Manage cash across hundreds of accounts
Create up to 100 checking and 100 savings accounts to separate cash by purpose, and set auto-transfer rules between them.
Keep bills, expenses, and accounting connected
Keep your financial work in one place with bill pay, employee expenses, reimbursements, approvals, and accounting alongside your operating accounts.
How Mercury Business Banking compares to Stripe Treasury
Mercury figures reflect current product terms. Stripe Treasury figures come from Stripe's published fee schedules, as of October 2026. Terms change — confirm current pricing before you decide.
Mercury Business Banking | Stripe Treasury | |
|---|---|---|
Multiple operating accounts | Up to 100 checking and 100 savings accounts, each with unique account numbers. | Stripe Treasury users can associate a maximum of 10 financial accounts to a single account. The same limit applies to the number of financial accounts attached to the platform account. If you need a higher financial account threshold, customers can contact Treasury support. |
FDIC insurance | Eligible U.S. financial-account funds can receive up to $250,000 in FDIC pass-through insurance through Stripe’s partner bank, subject to FDIC requirements and coverage limits. | |
Card cashback | Unlock unlimited 1.5% cashback and build business credit from day one if you're eligible — then grow your spending power and equip your team with cards as you scale. Exclusively for Mercury IO card holders. |
|
Spend and expense management | Cards, reimbursements, receipt rules, categorization, spend policies, merchant and category restrictions, team permissions and approvals. Built-in employee reimbursement, approval and ACH payout. | Stripe Treasury provides spend cards, flexible controls, and real-time reporting, but does not currently offer an equivalent full employee expense-management platform. |
Yield-bearing accounts | Stripe Treasury pays no interest or cash APY on balances and offers no brokerage or Treasury-bill accounts. Stripe has announced balance-based credits toward processing fees for U.S. businesses. | |
Credit and financing options | Mercury offers business credit through the IO Card, Working Capital financing for near-term growth, and Venture Debt for eligible venture-backed companies. | Stripe Treasury provides card functionality, while eligible businesses may also access financing through Stripe Capital.
|
Support | Mercury offers 24/7 customer support via chat with a ~5 minute typical response time. Unlock a dedicated relationship manager with a Mercury Pro plan. | Stripe provides 24/7 customer support via live chat, phone, and email, with additional premium support plans available. |
Domestic money transfers (USD) |
|
|
International USD wire | $0 | $25 per wire, with applicable cross-border fees |
International money transfers (non-USD) | 1% currency conversion fee calculated on the total USD amount |
|
Receive invoice payment via ACH or wire |
|
|
Best fit | Best for startups and growing companies that want banking, cash management, cards, payments, expenses, accounting, and financing in one place. | Best for globally oriented businesses that want payments, multicurrency balances, payouts, cards, and money management tightly integrated within the Stripe ecosystem. |
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
Everything you do with money. All in one place.
Frequently asked questions
Experience radically different banking
Apply in minutes and say goodbye to complex fees.