Mercury
Free tierOnline business banking built for startups, small businesses, and scaling companies
Key strengths
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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 — Developer & Integration Docs
API Access
Mercury provides a REST API, enabling developers to programmatically manage banking operations — including payments, account data, and card management — directly within their own applications and workflows.
Native Integrations
Mercury connects out of the box with leading accounting platforms:
- QuickBooks
- Xero
- NetSuite
These integrations support automated reconciliation and sync of financial data, complemented by Mercury's AI-powered accounting and bill pay automations.
Add-On Services (API/Ops Relevant)
- Mercury Books — $35/mo (waived until Dec 31, 2026): Automated bookkeeping layer
- Mercury Payroll — $100/mo + $50/person paid/mo (waived until Dec 31, 2026): Payroll processing
Payment Rails Supported
- ACH
- Domestic & international wire
- Check
- Real-time payments
All USD payment types are fee-free. Virtual cards can be issued instantly, making Mercury suitable for programmatic spend management workflows.