Mercury
Free tierOnline business banking built for startups, small businesses, and scaling companies
Free tier available·All audiences·API available
Key strengths
No-fee USD payments (wire, ACH, check, real-time)Up to $5M FDIC insurance through partner banks and sweep networks1.5% cashback on credit card spendUp to 4.08% yield with Mercury TreasuryAI-powered accounting and bill pay automationsInstant virtual card creationFree checking and savings with no minimums
Free tier + paid plans
San Francisco, USA
Founded 2017
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Recent changes
- Plans updated: Free tier at $0/mo; Mercury Plus at $29.90/mo; Mercury Pro at $299/mo. Add-ons: Mercury Books $35/mo (waived until Dec 31, 2026), Mercury Payroll $100/mo + $50/per person paid/mo (waived until Dec 31, 2026).
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Mercury — Technical Overview
Mercury is a freemium business banking platform built for startups, scaling companies, ecommerce brands, agencies, VC funds, crypto companies, and accounting firms. It exposes a REST API for programmatic access to banking operations, and integrates natively with QuickBooks, Xero, and NetSuite for accounting automation.
Key technical capabilities:
- No-fee USD payment rails: Wire, ACH, check, and real-time payments — all fee-free
- Instant virtual card creation via dashboard or API
- AI-powered automations for accounting workflows and bill pay
- Mercury Treasury: Yield up to 4.08% on idle cash
- FDIC coverage: Up to $5M through partner banks and sweep networks
- Cashback: 1.5% on credit card spend
Pricing tiers:
| Tier | Price |
|---|---|
| Free | $0/mo |
| Mercury Plus | $29.90/mo |
| Mercury Pro | $299/mo |
| Mercury Books (add-on) | $35/mo (waived until Dec 31, 2026) |
| Mercury Payroll (add-on) | $100/mo + $50/person paid/mo (waived until Dec 31, 2026) |
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