Mercury Pricing 2026
Complete pricing guide with plans, hidden costs, and cost analysis
Mercury has a free plan. Paid plans start at $35/month (Mercury Plus) and go up to $350/month.
Mercury costs Free to $350 per month as of May 2026, with 3 plans available including a free tier. Plans: Mercury (free), Mercury Plus at $35/month, and Mercury Pro at $350/month. The median contract is $576/year based on 529 verified purchases.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: Yes
Mercury offers 3 pricing tiers: Mercury, Mercury Plus, Mercury Pro. A free plan is available. Paid plans include Mercury Plus at $35/month, Mercury Pro at $350/month. The Mercury Plus plan is growing businesses needing invoicing capabilities.
Compared to other corporate cards & spend software, Mercury is positioned at the premium price point.
- Median contract: $576/yr from 529 purchases
- 2 documented hidden costs beyond list price
- Contracts auto-renew
How much does Mercury cost?
Mercury Pricing Overview
Mercury has 3 pricing plans, including a free tier. Paid plans range from $0 to $350/month. The Mercury plan is free and is best for early-stage startups and small businesses. The Mercury Plus plan costs $35/month, best for growing businesses needing invoicing capabilities. The Mercury Pro plan costs $350/month, best for businesses with complex operations needing a relationship manager.
Mercury contracts auto-renew, with a Month-to-month; no long-term contract required minimum commitment.
The median Mercury customer pays $576/year based on 529 verified purchases.
There are at least 2 documented hidden costs beyond Mercury's list price, including implementation, training, and add-on fees.
This pricing was last verified in April 24, 2026 from 6 independent sources.
Mercury is a banking platform designed specifically for tech startups and growing companies, offering FDIC-insured business accounts and corporate cards. Founded to serve the unique needs of venture-backed startups, Mercury combines traditional banking services with modern financial tools and no-fee corporate cards.
The platform offers four pricing tiers ranging from a completely free Standard plan to enterprise-level Tea Room tier. Mercury IO corporate cards feature 1.5% cashback on all purchases with no annual fees or personal guarantee requirements.
How Mercury Pricing Compares
Compare Mercury pricing against top alternatives in Corporate Cards & Spend.
All Mercury Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Mercury treasury: $250K Mercury balance required for Treasury access | Free | Free | Early-stage startups and small businesses |
| Mercury Plus invoicing_api: 500 invoices created/monthreimbursements: 20 active users/month | $35 /month | $358.8 /year | Growing businesses needing invoicing capabilities |
| Mercury Pro reimbursements: 250 active users | $350 /month | $3588 /year | Businesses with complex operations needing a relationship manager |
View all features by plan
Mercury
- FDIC-insured business checking
- Unlimited physical and virtual corporate cards
- Free domestic and international USD wire transfers
- Mobile and web banking
- No account minimums or overdraft fees
- Access to Treasury with $250K balance
Mercury Plus
- Everything in Mercury
- Invoice with ACH debit ($1/transaction)
- Recurring invoices
- Invoicing API (500 invoices created/month)
- Multiple GL codes for bill payments
- Reimburse up to 20 users/month (+$5/additional)
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
Mercury Pro
- Everything in Mercury Plus
- Relationship manager
- Invoice with ACH debit ($0/transaction)
- Invoicing API (unlimited invoices created/month)
- NetSuite categorizations
- Reimburse up to 250 active users (+$5/additional)
- Unlimited 1099 tax filings
- $50 off eligible LegalZoom Compliance Plans
- 6 months free Xero
Compare Mercury vs Alternatives
Before committing to Mercury, compare pricing with these 3 alternatives in the same category.
What Companies Actually Pay for Mercury
The median Mercury buyer pays $576/year based on 529 verified purchase transactions.
Mercury Year 1 Total Cost by Company Size
Real deployment costs including licenses, implementation, training, and admin — not just the sticker price.
5-person team needing basic banking and 5 corporate cards
20-person team with invoicing needs and 15 corporate cards
100-person team with NetSuite integration and 50+ corporate cards
Post-Series A company with $5M+ in bank managing treasury
How Mercury Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| Mercury | Free | $350/month |
| Divvy (BILL) | Custom | Custom |
| Payhawk | Free | $499/month |
| Pleo | Free | $219/month |
Detailed pricing comparisons:
Mercury Contract Terms
Mercury contracts auto-renew. Changes require advance notice. These terms are sourced from verified buyer experiences.
No contract lock-in; accounts can be downgraded or closed, though Mercury may close accounts at its discretion for compliance reasons
How to Negotiate Mercury Pricing
Mercury contracts are negotiable. These 1 tactics are sourced from real buyer experiences and procurement specialists.
New Mercury account holders may qualify for up to $1,500 cash after meeting deposit and spend requirements. Negotiate your onboarding with this in mind — the bonus can effectively offset the cost of Mercury Plus ($35/mo) for 8+ months or reduce your Year 1 banking costs significantly.
Reddit (r/ycombinator)Mercury Pricing FAQ
01 How much does Mercury bank cost per month?
Mercury offers a free Standard tier with no monthly fees, no account minimums, and no overdraft fees. Paid plans start at $35/month for Mercury Plus, $350/month for Mercury Pro, and custom pricing for Tea Room tier requiring $250K minimum deposit.
02 Does Mercury charge for corporate cards?
No. Mercury IO corporate cards have no annual fees, no interest charges (since balances are paid automatically each month), and you can issue unlimited physical and virtual cards. All USD transactions are free, though non-USD transactions incur international transaction fees.
03 What are Mercury's wire transfer fees?
Mercury provides free domestic and international U.S. dollar wire transfers on all plans. Optional premium processing for expedited international transfers may incur additional fees.
04 Does Mercury IO offer cashback rewards?
Yes. Mercury IO corporate cards offer 1.5% cashback on all purchases with no annual fee and no personal guarantee or credit check required.
05 What's included in Mercury's free tier?
The free Standard tier includes FDIC-insured business checking, unlimited corporate cards, free wire transfers, mobile/web banking, and no account minimums or overdraft fees. Advanced features like invoicing and API access require paid plans.
06 Are there foreign transaction fees with Mercury cards?
All USD transactions are free. Non-USD transactions incur an international transaction fee, and currency exchange is available at 1% rate for non-USD conversions.
07 Can Mercury close my business account without warning?
Yes, Mercury has the contractual right to close accounts for compliance reasons and has done so without prior notice. Multiple Trustpilot reviewers report accounts being closed within 24–48 hours of opening, and long-standing accounts shut down after years of operation — all without explanation or appeal options.
08 Does Mercury offer phone customer support?
No. Mercury does not provide a customer service phone number. All support is handled by email, which multiple reviewers describe as slow — particularly for urgent issues like frozen accounts or compliance holds.
09 What is included in the free Mercury plan?
The free Mercury plan ($0/month) includes business checking and savings accounts, physical debit cards shipped to your address at no cost, invoicing tools, and core banking features. Per user reviews, it offers a clean interface with no extra monthly fees.
10 Are there fees for international payments on Mercury?
Yes. At least one reviewer specifically flagged international payment fees as expensive. Mercury's free and paid plans are primarily optimized for USD transactions; businesses with significant international payment volume should evaluate total wire and FX conversion costs before committing.
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