Bonsai is an all-in-one business management platform for freelancers and service teams, covering CRM, proposals, contracts, invoicing, time tracking, and expenses.
from $9/user/mo
About Mercury
What is Mercury?
Mercury is a fintech company that provides online business banking and financial tools for startups, small businesses, and scaling companies. It offers free checking and savings accounts with zero minimums, business credit cards, expense management, payments, invoicing, and integrations with accounting software like QuickBooks, Xero, and NetSuite.
What problem does it solve?
Traditional banking often involves slow processes, high fees, and limited automation. Mercury streamlines financial operations with an all-in-one platform where you can manage money, pay bills, create invoices, and sync accounting in minutes. It is designed for entrepreneurs who want to move fast and avoid administrative friction.
Who is it for (and who is it not for)?
Mercury is ideal for startups, ecommerce brands, and agencies with a tech-savvy team that needs modern banking and expense management. It is not suitable for cash-intensive businesses or companies that require physical branch banking, as it is entirely online and relies on partner FDIC-insured banks (Choice Financial Group and Column N.A.).
Real use cases
SaaS founders use Mercury to manage multiple entities under one login, send international payments, and auto-reconcile receipts. Ecommerce companies leverage virtual cards for ad spend and contractor payments. Agencies use built-in permissions to give accountants easy one-click payment approval.
Key features
- Free Checking & Savings — No monthly fees, no account minimums, and no overdraft fees. Open an account online in 10 minutes.
- Business Credit Cards — Earn 1.5% cashback on spend. Get cards as soon as day one with no personal guarantee required.
- Virtual Cards — Create unlimited virtual cards instantly for ad spend, contractors, or any purpose.
- Invoice & Payments — Create free invoices, accept payments, send money worldwide with no fees on USD payments.
- Expense Management — Control team spending with card limits, approvals, reimbursements, and auto-receipt matching.
- Accounting Sync — Integrate with QuickBooks, Xero, or NetSuite and use AI-powered automations to close books faster.
- Bill Pay — AI reads bills, populates details, and remembers past recipients for one-click approval and payment.
SaaSpartout Score
7.9
/10
Editorial score from our review methodology — not user ratings.
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Mercury Pricing
Mercury pricing: from $0/mo.
For comparison: the median starting price in Finance & Accounting is $20/month, measured across 145 tools we track. See the full SaaS Pricing Index →
Mercury (Free)
$0/mo — includes free checking and savings accounts, business credit cards, expense management, invoicing, bill pay, accounting integrations, and access to Treasury (with $250K balance).
Mercury Plus
$29.90/mo (annual pricing $239/yr) — everything in Mercury, plus: invoicing with ACH debit ($1/transaction), recurring invoices, invoicing API (500 invoices/month), reimburse up to 20 users/month (+$5/additional active user), unlimited 1099 tax filings, $50 off LegalZoom Compliance Plans, 6 months free Xero.
Mercury Pro
$299/mo — everything in Mercury Plus (with $0/transaction ACH debit, unlimited invoicing API), plus: relationship manager, NetSuite categorizations, reimburse up to 250 active users (+$5/additional active user), unlimited 1099 tax filings, $50 off LegalZoom Compliance Plans, 6 months free Xero. Custom pricing available for larger needs.
No free trial is offered, but the base Mercury plan is always free with no minimums.
Frequently asked questions
Is Mercury free to use?
Yes, the base Mercury account is $0/mo with no monthly fees, no minimum balance, and no overdraft fees. Paid plans (Mercury Plus and Pro) start at $29.90/mo.
How much does Mercury cost per month?
Mercury offers three plans: Free ($0/mo), Mercury Plus ($29.90/mo), and Mercury Pro ($299/mo). Annual billing is available with 15% off.
Who is Mercury best for?
Mercury is best for startups, small businesses, ecommerce brands, and agencies that need modern online banking, expense management, and accounting integrations. It is not ideal for businesses that require physical branch banking.
What are the top alternatives to Mercury?
Top alternatives include Brex, Ramp, Relay, Novo, and Bluevine. These also offer online business banking with similar features like free checking, credit cards, and expense management.
Does Mercury offer a credit card?
Yes, Mercury offers business credit cards with 1.5% cashback on spend. You can get a card as soon as day one with no personal guarantee required.
What are the key limitations of Mercury?
Mercury is a fintech company, not a bank. Banking services are provided through partner FDIC-insured banks. It is entirely online with no physical branches, and some advanced features (like Treasury) require a $250K balance.
